Mature American Planning Company

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Mature American Planning Company

We help people think about their money. We can provide guaranteed income for life for today or in the future and help our clients protect that income.

11/02/2026

What if you could lower the income Medicare uses to set your premiums? This article lists six ways to manage the Income-Related Monthly Adjustment Amount (IRMAA):
1. Qualified charitable distributions sent directly to charity.
2. Using A Qualified Longevity Annuity Contract (QLAC).
3. Using a non-qualified tax-deferred annuity instead of municipal bonds.
4. Buying savings bonds and I-bonds.
5. Tax-loss harvesting to offset gains.
6. Loans, such as borrowing against a portfolio, life insurance, or a reverse mortgage.
Each has trade-offs, and the article makes it clear that you should consult a financial adviser and a CPA before acting.

Medicare costs can shoot up if your income triggers the Income Related Monthly Adjusted Amount. Here's what to expect in 2026 and how to avoid it in future.

11/01/2026

The next retirement challenge begins when saving ends. In its second annual How America Retires report, Vanguard finds that savers are in a stronger position than ever.

But spending is a different story. Retirement spending decisions are far more individualized than saving decisions.

Saving can be put on autopilot. Turning that savings into a paycheck that lasts for life should be put on autopilot as well. Cover your basic living expenses with guaranteed lifetime income. Everything after that is a choice.

As more Americans move from saving for retirement to spending in retirement, Vanguard’s 2026 How America Retires report reveals how retirees are investing, managing, and withdrawing their savings through one of the most important financial transitions of their lives.

10/25/2026

Inheritances can rip families apart. It is rarely the money that breaks a family apart. Rather, it is the dining room table, mom's jewelry, or the cabin up north. The article gives parents a practical checklist. Ask your adult children which items they actually want, and why, instead of guessing. Share the stories behind the meaningful pieces. Agree on a fair process if more than one child wants the same item. Put your wishes in a letter of instruction. It is not legally binding, but it carries moral weight. If the children know what is going to happen and why, they typically honor your wishes.

Conflict among adult children over their parents' estate is all too common — and Mom and Dad’s worst nightmare. Here's how to ensure the kids won’t fight after you’re gone.

09/23/2026

Here are five common retirement fears. The longevity gap, the fear of outliving your money, is solved by a lifetime income annuity that functions as your own self-funded pension. Fragile market timing, solved by fixed and fixed-indexed annuities with a contractual floor of zero. Inflation creep, solved by COLA riders that let income climb with the cost of living. A successful retirement is not measured by the size of your portfolio, but by the reliability of your cash flow.

Modern annuities address longevity risk, market volatility, inflation, liquidity needs, and legacy planning, helping retirees secure reliable lifetime income.

09/21/2026

There is a term in a new Kiplinger's article that every retiree needs to understand: the portfolio "death spiral." Here is how it can happen. If you are overly invested in stocks and forced to take systematic withdrawals during a down market, those withdrawals amplify the damage. You are selling more shares at lower prices just to generate the same income, which leaves fewer shares left to participate when the market eventually recovers. That is how a market downturn turns into a portfolio that never fully recovers.

The article lists the three things that can offer guaranteed lifetime income. A traditional pension (which is increasingly rare). Social Security. and a lifetime income annuity, which lets you create your own private pension by converting a portion of savings into income you cannot outlive. Everything else can produce income, but the amount is not guaranteed for life.

You can use the tax data from last year to help guide you as you consider retirement income you'll need, plus taxes, asset allocation and alternatives that generate safe income.

09/16/2026

Eighty percent (80%) of Americans now say the country faces a retirement crisis. In 2020 that number was 67%. In the new Retirement Insecurity 2026 report from the National Institute on Retirement Security, when asked how much annual income $100,000 in retirement savings would actually produce, only 9% picked a range in line with the common safe withdrawal rate guideline of 4%, and most of them have no idea how small a check that turns into. Most people do not have an asset problem so much as an understanding or translation problem. Nobody retires on a balance. You retire on a monthly income.

New NIRS research finds 80% of Americans see a retirement crisis as affordability pressures and debt squeeze savings, with concerns about AI and crypto.

09/14/2026

The new Schroders survey finds that workers carry high-interest debt on one side while parking long-term money in cash on the other. Sadly, 51% expect to have less than $500,000 at Retirement. Nearly a quarter of participants do not even know how their retirement savings are invested. The American worker actually needs is a plan. Kill the debt that compounds against you. Put long-term money where it can grow. Then turn a portion of it into income that cannot run out.

Just 30% of workplace retirement plan investors think they'll reach $1 million before retiring, a new survey finds. Here's what's getting in their way.

09/10/2026

Apparently, the happiest retirees are not the ones on an endless vacation. Kiplinger's retirement happiness research found some genuinely surprising stuff. More than 90% of retirees report being quite satisfied or happy with their lives overall. But how they got there matters more than most people think.

Retiring at exactly the right time matters. Americans overwhelmingly say 63 is the ideal retirement age, even though the average American retires at 62. Unfortunately, that one-year gap is often tied to layoffs or health issues. These unplanned exits are linked to more loneliness and stress.

49% of retirees who describe themselves as 'much happier' say taking care of their health BEFORE retiring was a key reason. Among that group, 70% rank exercise as a top activity, second only to time with loved ones.

Plan your finances. But do not forget to plan your life too.

When it comes to your retirement happiness, don't believe everything you hear. We've turned to solid research for the facts on finding your bliss in retirement.

09/08/2026

Here are a few fun retirement facts to enjoy, courtesy of new Plootus Research. Some highlights include:

Hawaii is the most expensive state to retire, at $129,296 a year.

Kansas, Oklahoma, and West Virginia are among the cheapest, averaging around $46,000 a year.

Eight states have zero state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, and Wyoming.

Forty-one states no longer tax Social Security benefits at all.

Michigan just fully phased out state tax on most retirement income beginning in 2026.

Claiming Social Security at 70 instead of 62 increases your monthly benefit by about 76%, for life.

And much more. Enjoy the trivia!

An essential breakdown of U.S. retirement data: track the latest trends in average savings, social security solvency, and historical investment returns.

09/07/2026

Dolly Parton once said, "Don't get so busy making a living that you forget to make a life." The saddest thing we see in retirement is not the person who runs out of money. It is the person who dies with plenty of it and never lets themselves enjoy any of it.

These are good savers. Disciplined their whole lives. They get to retirement with a real nest egg, and then they will not touch it. They skip the trip. They do not visit the grandkids as often as they want to. They sit on a portfolio they are afraid to spend, because nobody ever told them how much was safe to spend.

Fear is rational. If your entire retirement income depends on a number that moves every single day, of course you are going to underspend. You are guessing, and guessing with your own survival, which can be uncomfortable. The answer is not a better guess. The answer is guaranteed income.

With your basic expenses covered by income that arrives every month for as long as you live, you stop asking if you can afford to live and start living.

Dolly knew that life wasn't just about the "9 to 5." Discover the legendary singer’s inspiring tips for finding joy and purpose in retirement.

Address

10246 Crouse Road, Suite 118
Hartland, MI
48353

Website

http://www.themapc.com/

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