PDF
Turning 65
Turning 65 checklist
Every deadline and decision for the year you turn 65, on one page.
Resource center
Free guides, checklists and tools for retirement and taxes.
Everything in one place: read a guide, download a checklist, take the Legacy Stress Test or join a free webinar.
Book time with MaryWant answers for your situation? Start a free conversation.
Free PDF · Turning 65
Turning 65: Start Here
Your first steps for Medicare, Social Security and taxes, in the order to take them.
Free downloads
PDF
Tax Prep
Tax prep document checklist
What to gather before your tax appointment.
PDF
Taxes in Retirement
RMD planner
Track required minimum distributions and plan withdrawals.
PDF
Estate & Legacy
Final arrangements worksheet
Write down your wishes so family isn’t left guessing.
PDF
Turning 65
Social Security claiming worksheet
Compare your benefit at 62, 67 and 70 before you file.
PDF
Turning 65
Medicare enrollment dates cheat sheet
Every enrollment window and penalty to know.
Guides
See all 7 guides →Turning 65Turning 65? Avoid the 3 costliest mistakes most people make.Medicare late-enrollment penalties, unexpected taxes on Social Security benefits, and higher Medicare premiums sneak up fast. Mary Garza walks you through each deadline and how your choices affect your taxes.Turning 65 guide →MedicareMedicare, made clear.Medicare is divided into parts. Here’s how they fit together, when to enroll, and how your choices connect to your taxes.Medicare guide →Social SecurityWhen should you claim Social Security?When you claim changes your monthly benefit for life. We help you weigh the timing alongside your taxes, savings and spouse’s benefits.Social Security guide →Taxes in RetirementTaxes in retirement: keep more of what you’ve saved.How pensions, Social Security, IRAs and savings are taxed, the order to draw from your accounts, and the mistakes that quietly cost retirees money.Taxes in Retirement guide →Roth ConversionsRoth conversions: is now the right time?How converting a traditional IRA to a Roth works, when it can make sense, and what it costs in taxes today.Roth Conversions guide →Estate & LegacyEstate planning basics: protect your family and your legacy.The documents, beneficiaries and plans that keep your family from guessing, and the common gaps to check today.Estate & Legacy guide →
Free tool · 5 minutesTake the Legacy Stress TestTen quick questions that show the gaps in your estate and legacy plan.
Start the assessmentFree webinars
All webinars →From the blog
All articles →
Social SecuritySpousal and Survivor Benefits: What Married Couples Should KnowMarried couples have more Social Security choices than most people realize. Here is a plain-English look at spousal and survivor benefits and why timing matters.
Mary Garza3 min readRead →
Mary Garza3 min readRead →
Social SecurityWorking While Collecting Social SecurityYou can work and collect Social Security, but starting early may mean some of your benefit is held back. Here is how the earnings test works and how taxes fit in.Mary Garza3 min readRead →
Mary Garza3 min readRead →
Estate & LegacyLeaving an IRA to Your Heirs: What They Should KnowRetirement accounts pass to the people you name, and your heirs may owe income tax on what they receive. Here is how inherited IRAs work and what to review.Mary Garza3 min readRead →
Mary Garza3 min readRead →Want answers for your situation?Book a consultation with Mary.