You didn’t spend decades saving just to guess your way through the next 30 years.
In Maximize Your Retirement, Jae W. Oh gives readers the integrated playbook the fragmented financial industry was never built to provide. Most financial guidance is delivered in lanes–investments here, insurance there, taxes somewhere else–but real retirement decisions collide inside one household. This book shows how Social Security, Medicare, IRMAA, Roth conversions, ACA subsidies, RMDs, SECURE Act rules, healthcare costs, and family priorities actually interact–and how to coordinate them into a plan that survives real life, not just a spreadsheet. Inside, readers will learn how to:- Build an income base they cannot outlive, using the six cash-flow pillars that matter more than rate of return
- Avoid costly mistakes hiding in Medicare timing, IRMAA surcharges, ACA subsidies, and mishandled Roth conversions
- Move beyond the outdated 4 Percent Rule with the Tiered Conversion Framework, a smarter way to turn savings into sustainable income
- Decode the Five Big Risks of retirement: longevity, sequence, health, policy, and behavioral risk
- Protect heirs from the SECURE Act tax traps affecting inherited retirement accounts
- Ask sharper questions that distinguish real guidance from account management
- Know when DIY planning works–and when it quietly breaks down
Written for people approaching retirement, already retired, or beginning to think seriously about their financial future, Maximize Your Retirement is not a one-size-fits-all checklist. It is a durable way to think, helping readers avoid costly mistakes, evaluate advice more confidently, and understand what their money is actually for: the confidence to spend, give, protect loved ones, and live the retirement they worked so hard to reach.
Author: Jae Oh
Binding Type: Paperback
Publisher: Allworth
Published: 10/06/2026
Pages: 240
ISBN: 9781621538349
Language: English
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