Social Security Claiming Decision Workbook
Break-even math between 62, FRA, and 70, spousal & survivor rules, earnings test limits, and the 2025 WEP/GPO repeal.
Practical Decision Support
Seniors Audit Planning Workbooks & Action Kits
Educational resources built to bridge the gap between complex federal regulations and your personal kitchen table decisions. Every workbook provides step-by-step arithmetic, fillable checklists, and direct statutory references.
Planning Pathway 1
Social Security & Benefits
Calculate your break-even claiming age, protect spousal benefits, and claim high-impact federal assistance programs.
Senior Discounts & Hidden Benefits Finder
Unlock five major federal relief programs (LIHEAP, Lifeline, Medicare Extra Help, senior SNAP, and county property tax freezes).
Thematic Savings Bundle
Social Security & Benefits Bundle
Includes the Claiming Decision Workbook and the Senior Discounts & Benefits Finder.
$ 22 $27 Save $5
Get Bundle — $22 Planning Pathway 2
Turning 65 & Medicare Enrollment
Master your 7-month Initial Enrollment Period, coordinate workplace health insurance, and avoid permanent lifetime penalties.
Turning 65 Medicare Enrollment Action Planner
Step-by-step 7-month timeline, the 20+ employee still-working audit, the 6-month HSA tax trap, and Medigap vs. Advantage decision guides.
Medicare Part B & D Late Enrollment Penalty Kit
Calculate exact penalty exposure, verify erroneous notices, and navigate Appeal, Equitable Relief, or Part D Reconsideration.
Thematic Savings Bundle
Turning 65 Medicare Bundle
Includes the Turning 65 Action Planner and the Part B & D Late Enrollment Penalty Kit.
$ 25 $31 Save $6
Get Bundle — $25 Planning Pathway 3
Retirement Income, RMDs & Taxes
Our deepest planning cluster. Coordinate required distributions, multi-tier tax brackets, and 2-year lookback Medicare IRMAA surcharges.
Flagship Retirement Withdrawal & Medicare Cost Planner
Model the 5 simultaneous downstream effects of every retirement dollar you withdraw to eliminate the tax torpedo and keep Medicare at base rates.
IRMAA & Medicare MAGI Planning Workbook
Audit your 2-year lookback MAGI, navigate cliff-edge surcharge brackets, and submit Form SSA-44 using the 8 qualifying life events.
 Seniors Audit.png)
RMD Tax & Withdrawal Planning Workbook
Master Required Minimum Distributions under SECURE 2.0 (ages 73/75), deploy QCDs to shield income, and prevent 25% IRS excise taxes.
Thematic Savings Bundle
Retirement Income & Tax Bundle
Includes the Flagship Withdrawal Planner, the IRMAA Workbook, and the RMD Planning Workbook.
$ 45 $58 Save $13
Get Bundle — $45 Educational Information & Independence Statement
Seniors Audit is an independent educational platform — not a government agency, insurance brokerage, or legal/tax advisory firm. We are not affiliated with, endorsed by, or connected to the Social Security Administration, the Centers for Medicare & Medicaid Services, or the Internal Revenue Service.
All planning workbooks, checklists, and guides are created solely for general educational decision-support purposes. They do not constitute personalized legal, financial, or tax advice. For personalized counsel, consult a certified CPA, licensed estate attorney, or free State Health Insurance Assistance Program (SHIP) counselor at shiphelp.org.