Retirement planning tips from Dan Casey.
Practical strategies, how-tos, and recent research — written for retirees and pre-retirees in Metro Detroit and beyond.
Long-Term Care Planning for Oakland County Retirees: What It Costs and How to Fund It
An uninsured long-term care event is one of the fastest ways a solid retirement income plan can unravel. For retirees in Bloomfield Hills, Troy, and Auburn Hills, understanding what care costs in Michigan and how to fund it — through traditional LTC insurance, hybrid life/LTC policies, self-funding, or income-rider strategies — is essential planning for long-term care that shouldn't be treated as an afterthought.
The 55-to-65 Transition: Crafting a Retirement Income Plan in Oakland County
The decade before retirement is the most consequential financial window of your life — the 'retirement red zone.' For pre-retirees in Oakland County and Metro Detroit, here is a complete guide to shifting from accumulation to distribution: tax-efficient withdrawals, Social Security optimization, safe-money strategies like fixed index annuities, and Michigan-specific retirement tax rules for 2026.
Read articleThe Basics of Required Minimum Distributions (RMDs): A Guide for Retirees
Under the SECURE 2.0 Act, RMDs now begin at age 73. But for retirees in Oakland County, Ann Arbor, Armada, and Allen Park, MI, knowing when they start is only the beginning. This guide covers how RMDs are calculated, which accounts are affected, the 25% penalty for missing one, and tax-planning strategies — like Roth conversions and Qualified Charitable Distributions — to help manage their impact.
Read articleHow Retirees in Michigan Can Prepare for Stock Market Volatility
Market swings can feel manageable when you're still working, but in retirement they can derail your income and peace of mind. Here is a practical, Oakland County-focused guide to protecting your retirement from volatility — with strategies that span income flooring, fixed index annuities, and a structured withdrawal plan.
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Health Insurance Before Medicare: How to Cover the Gap if You Retire Before 65
The number-one reason people keep working past the age they'd like to quit often isn't money — it's health insurance. If you retire before 65, you have to bridge the years until Medicare. Here are the four main options — COBRA, the ACA marketplace, a spouse's plan, and part-time work — how each is priced, and why the income you report controls your ACA subsidy under 2026 rules.
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NUA for Ford Retirees: The Company-Stock Tax Strategy a Standard 401(k) Rollover Can Forfeit
Many Ford retirees hold Ford common stock inside their 401(k) that has grown for decades. Roll the whole account into an IRA and every future dollar is taxed as ordinary income — and one specific tax strategy, Net Unrealized Appreciation (NUA), is gone for good. Here is how NUA works, who it can help, the rules and tripwires that disqualify people, and the cases where it is the wrong move.
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Roth Conversion Strategy for Michigan Pre-Retirees: A Tax Planning Guide
A tax planning Roth IRA conversion strategy can help Metro Detroit pre-retirees manage their lifetime tax burden, minimize future RMDs, and protect their retirement income. Learn how to map out a multi-year plan before you retire under 2026 rules.
Read articlePension Election Options for Michigan Retirees: Lump Sum vs. Annuity vs. Joint-and-Survivor
Corporate professionals retiring in Metro Detroit face a critical, often irreversible decision: choosing how to take their pension. Here is an objective comparison of lump-sum rollovers, single-life annuities, and joint-and-survivor options under 2026 rules — and how to evaluate which fits your retirement income plan.
Read articleMedicare IRMAA in 2026: The Brackets, the Surcharge, and How to Avoid It
IRMAA is the income-based surcharge that can add thousands to your Medicare premiums — and it's triggered by your income from two years ago. Here are the 2026 brackets, how the income cliffs work, and the moves (Roth timing, QCDs, an SSA-44 appeal) that keep a one-time income spike from quietly raising your premiums.
Read articleRequired Minimum Distributions (RMDs) in 2026: Rules, Ages, and How to Pay Less Tax
In 2026, RMDs begin at age 73 — and the IRS taxes every dollar whether you need it or not. Here's how RMDs work, how they're calculated, the 25% penalty for missing one, the new 2026 inherited-IRA rules, and the moves that keep RMDs from raising your tax bracket, Medicare premiums, and Social Security taxes.
Read articleThe Retirement Red Zone: How Sequence-of-Returns Risk Can Sink a Retirement in an Average Market
Two retirees can earn the same average return and get opposite outcomes — one runs out of money, the other leaves an inheritance. The difference is the order the returns arrive in. Here's how sequence-of-returns risk works, why the years around your retirement date matter most, and how to defuse it.
Read articleHow to Reduce the Risk of Running Out of Money in Retirement
Running out of money in retirement is rarely caused by one bad year. Here are seven risks to plan for so they do not compound into a retirement-income problem.
Read articleSocial Security Claiming Strategy: The 5 Decisions That Move the Needle
The single biggest dollar decision most retirees ever make is when (and how) to claim Social Security. Here are the five filing decisions that move lifetime benefits — and what most people get wrong about each.
Read articleRetirement Income Planning: A Complete Guide (2026)
How to turn a retirement nest egg into reliable, lifelong income — the strategies that actually work, the math behind each, and a seven-step planning process from Dan Casey.
Read articleFinancial Advisor in Bloomfield Hills, MI: 5 Risk Insights
Panic Proof Retirement™ breaks down the five biggest risks facing Bloomfield Hills retirees in 2026 — and the concrete planning moves that defuse each one.
Read articleRetirement Investment Planning: An Independent Advisor's Guide
What makes a truly independent retirement investment plan different from what the big brokerage houses sell — and how to build one in Troy, MI.
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Why a Retirement Planning Agent Is Essential for Individuals
A retirement planning agent in Auburn Hills, MI does more than sell products — they quarterback the tax, income, and legacy decisions most people get wrong.
Read articleStrategies for Retirement Investment Planning in Troy, MI
Seven retirement investment-planning strategies Troy, MI retirees can use to manage downside risk, growth needs, and reliable income planning.
Read articleRetirement Plan Tips: Financial Planning Advisor in Troy, MI
A working advisor's playbook: the five moves every soon-to-retire Troy household should make in the twelve months before they stop working.
Read articleHow to Choose the Right Financial Advisor in Auburn Hills
A no-nonsense checklist — fiduciary status, compensation model, planning process — for interviewing a financial advisor in Auburn Hills, MI.
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Why Hiring a Financial Advisor in Bloomfield Hills Matters
The research-backed case for working with a local fiduciary financial advisor in Bloomfield Hills — and the tax, timing, and income decisions a DIY plan usually misses.
Read articleReach Out Today
A 30-minute, zero-obligation conversation is the fastest way to see if a panic-proof plan fits your situation.