KNOWLEDGE CENTER
Retirement Planning Resources
Expert guides, checklists, and tools to help you make smarter retirement decisions.
WHY THESE DECISIONS MATTER
The retirement transition is high-stakes
One bad income year can trigger IRMAA
Cross a Medicare threshold by $1,000 and pay $700+/month in surcharges — for two years. Most people don't see it coming.
Tax decisions compound across decades
Roth conversions, withdrawal sequencing, and Social Security timing create ripple effects that either save or cost six figures over a retirement.
The first years of retirement carry outsized risk
Sequence-of-returns risk means a bad market early in retirement hurts far more than the same market later. Withdrawal order is a plan, not an afterthought.
The wrong claiming age costs real money
Social Security at 62 vs. 70 can mean $200,000+ in lifetime difference. And the optimal age depends on factors most calculators ignore.
FREE RESOURCES
How Capital Wealth helps at every stage
Retirement Planning Mistakes to Avoid
The five critical mistakes that derail retirement plans — and the strategies that prevent them. Covers withdrawal sequencing, tax bracket management, and healthcare cost traps.
Get the Guide →Social Security Claiming Strategy
When to claim, how spousal benefits work, and the tax implications of each scenario. Includes break-even analysis framework for your specific situation.
Read the Guide →Tax Efficiency Checklist
A simple checklist to identify tax-saving opportunities: Roth conversion windows, IRMAA thresholds, charitable strategies, and Utah-specific deductions most retirees miss.
Get the Checklist →401(k) & IRA Rollover Guide
Leaving a job or consolidating accounts? Direct vs. indirect transfers, tax traps, and the decision framework for rollover vs. stay. Avoid the penalties that cost people thousands.
Read the Guide →Medicare & IRMAA Planning Guide
Don't let surprise Medicare surcharges drain your retirement income. Understand the 2-year lookback, income thresholds, and multi-year avoidance strategies.
Read the Guide →Your Retirement, Mapped Out — With SDBA Management NEW · PDF
The complete Capital Wealth guide to Self-Directed Brokerage Accounts — how brokerage windows work inside a 401(k), why so few participants use them, the Dalbar data on investor behavior, and what fiduciary management adds when markets get messy. 8 pages, complimentary download.
Download the PDF →
THE BOOK ON RETIREMENT
Retire Right, Retire Now
Coming Spring 2026
Mike Stevens wrote the book — literally. Retire Right, Retire Now shows you how to turn your savings into a clear, coordinated retirement strategy. No fluff. No jargon. Just the framework 650+ clients have already used.
GET YOUR FREE CHAPTER →30 minutes with Mike Stevens. No cost. No pressure. Just clarity on your situation.
We model your income, taxes, healthcare, and estate plan with real numbers — not generic rules of thumb.
A clear plan that coordinates every piece: income, taxes, healthcare, and legacy.