How Can We Help

Make Medicare work for you.

Medicare can be a confounding maze, but it’s an important one to navigate.

With health care costs rising and Americans living longer, on average, the decisions you make about plans and supplements could have major implications on your lifestyle and future. Whether you’re contemplating Plan A, Plan B, Medigap or Medicare Advantage, you’re almost certain to have questions.

We can help examine your unique factors and determine a Medicare strategy that best addresses your needs.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Retirement Solutions Group is not affiliated with or endorsed by the U.S. Government or any governmental agency.

You worked hard for your assets. Now they can work for you.

Inflation, unexpected expenses, once-in-a-lifetime travel opportunities … Predicting the unpredictable is impossible. That’s why it may be prudent to have a certain amount of your nest egg in investment products.

Investing involves risk, and there are no ways to guarantee that you won’t lose money, but having a certain portion of your assets in the market could give the opportunity to build on your existing wealth. Over time, that growth potential could help you offset the effects of inflation and other factors that erode the purchasing power of your assets — assets you may be counting on to see you to and through retirement.

From stocks and bonds to mutual funds and retirement accounts, we welcome the opportunity to help you figure out where investment products might fit in your overall financial strategy.

If taxes rise in the future, will it cut into your retirement savings?

Rising taxes may be a concern for anyone — especially for individuals approaching retirement. Having a solid strategy in place for how you will pay taxes on your retirement income can be an important component to living on a fixed income and avoiding surprises come tax time.

Investing in or purchasing a tax-deferred vehicle means your money can compound interest for years, without paying current income taxes, potentially allowing it to earn interest at a faster rate. Tax-deferred vehicles only allow you to defer paying income taxes until the money is withdrawn — presumably during retirement when you may be in a lower tax bracket. However, few financial vehicles avoid taxes altogether.

Because tax-deferred vehicles are generally designed to help individuals work toward specific long-term goals, there may be restrictions on when money can be withdrawn without penalty. Early withdrawals may be subject to charges and fees. Withdrawals prior to age 59 ½ may be subject to a 10% additional federal tax.

Our firm is not permitted to offer, and no statement contained herein shall constitute, tax or legal advice. You should consult a legal or tax professional on any such matters.

Who will take care of you if you are unable to care for yourself?

As the oldest baby boomers begin to wind through their 70s, one of the biggest concerns may not be outliving income, but outliving good health. With at-home care services averaging $29 per hour1 and assisted living facility costs averaging over $6,000 per month, 2 it’s understandably daunting. Does your retirement income strategy account for this kind of possibility? Would you be prepared for twice that amount as a married couple?

Considering that you could have to reduce your financial means before Medicaid will pay for long-term care and neither your employer group health insurance nor major medical insurance will cover long-term care, you may want to consider planning ahead for these potential expenses.

We can help evaluate your situation and determine what kinds of products could fit into a comprehensive long-term care strategy, one that is suited to your needs and circumstances.

1 Assisting Hands. Sept. 2, 2025. “Understanding the Cost and Value of Home Care in 2025.” assistinghands.com/135/texas/nesanantonio/blog/understanding-the-cost-and-value-of-home-care-in-2025/. Accessed Sept. 17, 2025.

2 SeniorLiving.org. Sept. 23, 2025. “How Much Does Assisted Living Cost in 2025?” www.seniorliving.org/assisted-living/costs/. Accessed Sept. 17, 2025.

What’s the best way to handle old IRAs and 401(k)s?

When you change jobs or retire, there are four things you can generally do with the assets in any employer-sponsored retirement plan:

1. Leave the money where it is.

2. Take the cash (and pay income taxes and perhaps a 10% additional federal tax if you are younger than age 59 ½).

3. Transfer the money to another employer plan (if the new plan allows).

4. Roll the money over into an IRA.

Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax-deferred until you receive distributions in retirement. We can help you determine if a rollover is the right move for you.

What will your legacy be?

IRA accounts have become one of the largest types of assets inherited by loved ones. If you don’t anticipate needing your IRA money in retirement, you may wish to consider a legacy planning strategy that potentially reduces taxes and increases the payout your beneficiaries will receive upon your death.

You may want to use some of the value in your IRA to provide your beneficiaries with a regular stream of income while leaving the balance of IRA assets invested for tax-deferred growth. The result may yield substantially more money paid out over the course of your beneficiaries’ lifetimes.

We can help you evaluate your financial situation to determine if IRA legacy planning could help you, and we can work with attorneys and tax professionals to help you meet your goal of structuring a long-lasting inheritance for your loved ones.

[Disclosure:] Our firm is not permitted to offer, and no statement contained herein shall constitute, tax or legal advice. You should consult a legal or tax professional on any such matters.

All investments are subject to risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Any statements referring to grow your income are not a guarantee or prediction of future performance. Any references to protection benefits, guarantees or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified tax professional for guidance before making any purchasing decisions.

Insurance products are offered through the insurance business Retirement Solutions Group. Retirement Solutions Group is also an investment advisory practice that offers products and services through RSG Investments, LLC.
The insurance products offered by Retirement Solutions Group are not subject to investment advisor requirements.
Retirement Solutions Group and RSG Investments, LLC are affiliated but are separate entities.