⏳4 Retirement Money Moves That EXPIRE At 65⌛️

Age 65 marks the end of four important retirement money moves. In this video, I walk through these four opportunities that may expire, shrink, or become much harder once you reach 65. These include decisions around Medicare, HSAs, Roth conversions, Social Security timing, retirement income planning, and tax strategy. If you are in your late 50s, early 60s, or approaching retirement, this is the kind of planning that can help you avoid costly mistakes and make your money last for the rest of your life. Topics covered: Retirement planning at 65 Medicare and HSA rules Roth conversion planning Social Security timing Retirement tax planning Avoiding retirement mistakes Investing after 60 Retirement income strategy 📆 Schedule Your No-Cost, No-Obligation Consultation: https://go.oncehub.com/clarkatterbury 🌐 Connect with us: (760) 280-2880 [email protected] www.clarkatterbury.com Facebook: facebook.com/AtterburyInvestmentManagement LinkedIn: linkedin.com/in/clark-atterbury-09266896 👍 Subscribe for more insightful content on retirement planning and smart investing! Representative is registered with and offer only securities and advisory services through PlanMember Securities Corporation, a registered broker/dealer, investment advisor and member FINRA/SIPC. 6187 Carpinteria Ave, Carpinteria, CA. 93013. Atterbury Investment Management, Inc and PlanMember Securities Corporation are independently owned and operated. CA Insurance Lic #0B29538. 0:00 If you’re between 60 and 65… 0:12 Point 1 – Super catch-up contribution 0:23 Age-50 catch-up rules (401(k) and IRA) 0:58 SECURE 2.0 super catch-up at ages 60–63 1:27 The cliff at 64: use it or lose it 1:53 Action step: call HR about super catch-up and Roth 2:23 Pre-tax vs Roth and future RMD problems 3:16 High earners: Roth-only catch-ups and plan limitations 3:57 Point 2 – Medicare enrollment 4:04 Initial enrollment window at 65 4:13 Lifetime 10% Part B penalty for late enrollment 4:42 Why COBRA and retiree coverage don’t protect you 5:00 Point 3 – HSA contribution stop 5:10 HSA triple tax advantage 5:53 No HSA contributions once you enroll in Medicare 6:01 Part A backdating and excess contributions 7:10 Action step: stop all HSA contributions 6 months before applying 7:33 Point 4 – IRMAA (Medicare income surcharges) 7:52 What IRMAA stands for 8:04 Two-year lookback: why age 63 matters for premiums at 65 8:20 1st IRMAA income threshold 8:47 Why ages 63–64 are so significant 9:24 The IRMAA trap: $1 over can trigger a year of surcharges 10:11 Action step: find your MAGI and compare to thresholds 10:56 Holistic retirement planning