GH2 Benefits, LLC

08/23/2026

08/05/2026

One of you will file taxes alone someday — and that door opens without warning. Filing status flips to single, the brackets compress, the Medicare-premium income line roughly halves, and two Social Security checks become one. A plan built for the couple stops fitting the one who's left.

Here's the key: build the survivor's plan while both of you are still here.

08/05/2026

A Roth conversion is a door that only swings one way. Since 2018 there's no undo — once you convert, it's taxed at that year's rate, permanently. Convert a dollar too many in a good year and you can trip the IRMAA cliff two years later: a Medicare premium hike you can't cancel.

Here's the key: size the conversion to fill the bracket and stop at the line — on purpose, not by feel.

08/05/2026

You only get to claim Social Security for the first time once — and the door locks behind you. Take it at 62 and the reduction is, for all practical purposes, permanent. The "right" age was never 62 or 70 — it was whatever your health, your spouse, and your income said it was. Look before you file, not after.

Here's the key: run it against your own numbers while the door's still open.