Feature deep-dives, planning guides, and the thinking behind RetirementIQ.
Back up or move your retirement plan with an optional password lock. The file is encrypted on your device with the same standard password managers use — and there’s deliberately no recovery.
Read post →Two one-time, irreversible retirement decisions — taking a pension as a lump sum or an annuity, and buying an immediate annuity as an income floor. RetIQ now works both out with math instead of guesses.
Read post →Federal employees retire under rules almost nobody else’s: a 1.1% annuity cliff, a supplement that ends at 62, survivor elections on the unreduced annuity, and a Thrift Savings Plan. RetIQ now sets all of it up for you.
Read post →Municipal bond interest is exempt from federal income tax — but it still counts toward Social Security taxation, Medicare IRMAA, and ACA subsidies, and your state usually taxes other states’ bonds. RetIQ now models that five-way reality.
Read post →RetIQ has grown a lot, and a bigger app deserves a longer look. The free trial is now 30 days, with three one-time prices — $29 during your first two weeks, $39 during the last two, or $49 after.
Read post →The RetIQ iOS app is now modular. Start free with the AI Guide included, add Essentials for the complete planning surface, then layer on the modules that matter to you — at a bundle discount for the full app.
Read post →The new Flow tab turns a single year of your retirement plan into a picture you can read at a glance — and lets you test changes without touching your saved plan.
Read post →The RetirementIQ iOS app is now a fully native SwiftUI application — built in SwiftUI, runs on iPhone, iPad, and Apple Silicon Mac. Here’s what changed and what it means for you.
Read post →Most SE people don’t retire in one day. They wind down over years — and that transition creates ACA, IRMAA, and Roth conversion interactions most planning tools simply ignore.
Read post →Roth money is tax-free — but only if you understand the three buckets, two 5-year rules, and IRS withdrawal ordering. Get the rules wrong and you'll owe taxes on money you thought was untouchable.
Read post →In 1997 the Roth IRA was a $2,000 savings account with an income cap. A few legislative changes later, it sits at the center of nearly every serious retirement tax strategy. Here's how it got there.
Read post →Seven million Americans on SSDI face a completely different retirement path. Medicare at 24 months, automatic FRA conversion, and tax interactions that nearly every planning tool skips entirely.
Read post →In most couples, one person runs the retirement plan. If that person dies, can the other actually follow it? Here's how to build a roadmap they can open, understand, and share with family or an advisor.
Read post →900,000 Americans are widowed every year. The tax bracket compresses, Social Security drops by nearly half, and expenses barely budge. Most planning tools ignore all of it.
Read post →You're entering Social Security numbers, account balances, and tax details into retirement planning tools. We looked at the privacy policies of four popular tools and compared what they collect, where they store it, and who else gets to see it.
Read post →The order you withdraw from your retirement accounts can cost tens of thousands in unnecessary taxes. Most people don't realize it until they're already paying. Here's how to spot the problem and how RetirementIQ's Strategy Report Card fixes it automatically.
Read post →There are 59 million Americans over 65 and most of them will figure out retirement on their own. Not because they want to, but because the alternative is expensive, invasive, or both. Here's what good planning actually requires, and what it should cost.
Read post →