Peak 65 is here: about 11,400 Americans are turning 65 every day through 2027—the largest retirement surge in U.S. history.
At this stage, Social Security and Medicare decisions become front and center. And while rules of thumb are convenient, they rarely fit real life. These choices are costly, long-lasting, and usually irreversible. A few key ideas:
• Social Security: Your core choice: maximize total lifetime benefits, or maximize reliable late-life income.
• Medicare: The tradeoff is: lower-cost Advantage plans now, or more predictable coverage later when health needs rise.
And, Your right answer depends on personal assumptions, health profile, longevity expectations, risk tolerance, and dozens of nuances.
Not advice—rather a thought framework. Clear priorities lead to clearer decisions, and these choices directly shape your investment and retirement income strategy.
Read more about our approach to Social Security and Medicare for High Net Worth (“accredited”) investors.