Blueprint · Claiming Calculator
Social Security: Claim at the Right Time
The 62-vs-67-vs-70 decision, spousal & survivor strategy, the earnings test, and taxes — with your break-even age done for you.
$149
From the makers of Tax Confident
Navigate retirement's hardest decisions with confidence.
Plain-English guides and calculators for the three choices that quietly make — or cost — you the most: when to claim Social Security, how to enroll in Medicare, and how to handle long-term care. Written by a CPA with 25+ years' experience.
2026 figures
Instant download
Free yearly updates
Education, not advice
✦ Written by a CPA, 25+ years
✦ PDF guide + Excel tool in every title
✦ Real numbers, real family examples
✦ Lifetime access & updates
The Retirement Navigator series
Three guides. Every major decision.
Each one is a complete, plain-English guide paired with a calculator that runs your own numbers — built at comprehensive depth, with the 2026 figures done for you.
Blueprint · Cost & IRMAA Estimator
Medicare & IRMAA: Enroll Right, Avoid the Surcharges
Enrollment deadlines and lifelong penalties, Original vs. Advantage, Part D, and the IRMAA income surcharge — with a calculator that shows what you'll pay.
$149
Navigator · Cost & Medicaid Planner
Long-Term Care & Medicaid: The Family Navigator
What care really costs, how to protect a healthy spouse and your home, the five-year look-back, and a crisis playbook for when care can't wait.
$199
The all-access bundle
The Retirement Navigator Pass
All three guides and all three tools — every big retirement decision, handled as one connected picture.
$497
$299
Save $198 — about 40% off
- Social Security claiming + Claiming Calculator
- Medicare & IRMAA + Cost & IRMAA Estimator
- Long-Term Care & Medicaid + Cost & Medicaid Planner
- Lifetime access and free yearly updates
How it works
From overwhelmed to organized in an afternoon.
1
Buy & download instantly
Checkout is secure through Gumroad. Your PDF guide and Excel tool are ready to download the moment you pay — no waiting.
2
Read the one-page summary first
Every guide opens with an "if you only read one thing" page for the crisis reader, then walks the full decision in plain English.
3
Run your own numbers
The matching calculator turns the guide into your answer — your break-even age, your IRMAA tier, your spouse's protected share.
Why families trust these guides
Calm, accurate, and on your side.
These guides were written after a loved one became ill and we had to learn and navigate this system ourselves. This is the information we wished we'd had — the systems usually gatekept by attorneys and advisors, explained at the kitchen table in plain English. Every figure is verified against the primary source (SSA, CMS, Medicare.gov) and stamped with its program year. No hype, no fear-mongering, and no sales calls bundled into the price — just the path, laid out clearly.
Free download
The 2026 Retirement Deadlines & Numbers cheat-sheet
A printable front-and-back reference with the dates and figures that matter most this year: Social Security COLA and full-retirement ages, Medicare enrollment windows and the IRMAA brackets, and the long-term-care numbers families miss. Free when you join the list — plus a heads-up each fall when the new-year figures drop.
Common questions
Good to know before you buy.
Is this financial, legal, or insurance advice?
No. These are plain-English educational guides that make you the most informed person in the room. For your specific situation, confirm with the relevant agency or a qualified professional — we tell you exactly when and which one.
Are the numbers current?
Yes — every guide and tool is updated for the 2026 program year, and your purchase includes free updates each year as the figures change.
What do I actually receive?
An instant download: a comprehensive PDF guide plus a matching Excel calculator. You'll have lifetime access through your Gumroad account. The calculator also works in free Google Sheets or LibreOffice.
What if it's not for me?
Reply to your receipt within the refund window and we'll make it right.