Thrive Retirement Planning

Thrive Retirement Planning Having Assets Is Not the Same as Having a Plan | Helping You Understand How Prepared You Are for Retirement | Free Retirement Guides → thriverp.com/links

09/03/2026

Most people retire with a 401(k), IRA, savings, and Social Security — but those pieces are rarely coordinated. Giving every asset a job replaces uncertainty with confidence and makes every decision easier.

09/02/2026

Writing checks to charity in retirement? If you take the standard deduction, there's almost no tax benefit. After age 70½, a QCD from your IRA can change that — tax-free giving that counts toward your RMD.

09/01/2026

Medicare covers a lot, but premiums, dental, vision, and long-term care create real gaps. Healthcare costs tend to hit hardest when your flexibility is lowest — which is why planning early matters.

08/31/2026

Retirement spending follows a pattern: go-go years (active, highest spending), slow-go years (slowing down), and no-go years (healthcare spikes). Plan for how spending actually works — not a flat line.

08/28/2026

3 reasons wealthy retirees often choose flexibility over guarantees: they're not worried about running out, they value the ability to adjust, and their spending patterns vary year to year.

08/27/2026

If you're writing checks to charity without using QCDs, you're probably leaving thousands on the table. After 70½, QCDs send money directly from your IRA to charity — tax-free — and can satisfy your RMD.

08/26/2026

If you need $50,000 next year and the market drops 30%, you're forced to sell at the worst time. Protecting the next 10 years of income lets the rest of your assets stay growth-oriented.

08/25/2026

At a certain point, growing your balance just means leaving more behind. Moving money forward — into experiences, gathering places, and shared memories — can create more value than waiting ever could.

08/24/2026

Roth conversions move money from a Traditional IRA into a Roth for tax-free growth — but you pay taxes on what you convert. The key is timing it during lower-income years. When the math works, it's a smart strategy.

08/21/2026

Your first year of retirement has an outsized impact on the next 20. Early decisions compound, structure must be designed, and momentum is easier to build than to recover.

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North Salt Lake, UT
84025

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