Early Retirement

Pastel cases representing five account locations travel through different access mechanisms, with the employer-plan Rule of 55 hatch absent after rollover, separate Roth IRA layers, a clock-regulated 72(t)

Ross Marino | Jul 17, 2026

How Can You Access Retirement Money Before 59½ Without Creating an Avoidable Penalty?

IRA

401(k)

Tax Planning

Before taking retirement money early, identify which account holds it. The Rule of 55, Roth IRA ordering, 457(b) access, and 72(t) payments each work

A quiet stone path leads toward a small coastal bridge, suggesting the transition between leaving work and reaching Medicare.

Ross Marino | Jul 6, 2026

Retiring Before Medicare: Coverage and Income Timing

Early Retirement

Medicare

Healthcare & Longevity

Retirement Income

Retiring before Medicare can make health coverage, Marketplace income, and Medicare enrollment part of the same retirement-date decision.

Three brightly colored stones labeled “What ends when,” “Money for the next stretch,” and “Health coverage dates” beneath a sign reading “Start with what comes first.”

Ross Marino | May 3, 2026

If Retirement Comes Early, Start With What Comes First

Early Retirement

Retirement Timing

Retirement Income

Healthcare & Longevity

When retirement arrives sooner than planned, begin with the dates, coverage, and near-term spending that need attention before longer-term choices are made.

A bright, calm room with a lightly packed tote suggests preparing for the kind of health-care year a plan may actually need to support.

Ross Marino | Nov 28, 2025

The Cheapest-Looking Plan Before Medicare Can Cost You More Over a Year

Healthcare & Longevity

Medicare

Early Retirement

Retirement Income

Before Medicare, the lowest premium could feel like welcome relief. Test the plan against an ordinary year and a harder one before deciding what monthly savings

Miniature scene showing a path leading from a city skyline to a quiet home with a garden, illustrating the transition from working life to a simpler, sustainable early retirement.

Ross Marino | Nov 8, 2025