Free guides and checklists you can download, review at your own pace, and bring to your conversation with us.
A practical guide for working mothers, caregivers, business owners, and women nearing retirement, with a readiness checklist and a simple coverage worksheet.
Download the Free GuideThe four documents every adult needs, why probate puts your family’s privacy at risk, and a quick checklist to see if your plan is complete.
Download the Free GuideResources to help families organize documents, beneficiaries, titling, legacy wishes, and important planning conversations.
Request the ChecklistsContact us for customized classes or a workshop for your organization. These are complimentary or low-cost for the community. For example, a one-hour “brown bag” lunch and learn at your workplace, at no cost to your organization.
Contact Us About a WorkshopExplore the questions people should consider before deciding whether an annuity belongs in their plan.
The Truth About Annuities: deeper guide →Coverage types, living benefits, questions to ask and practical planning examples.
Explore the Life Insurance Guide →Supporting aging parents while helping children or grandchildren may place competing demands on time, savings and retirement income. Include the people who depend on you when evaluating your plan.
IRMAA (Income-Related Monthly Adjustment Amount) is an extra charge added to your Medicare Part B and Part D premiums when your income is above certain levels. It’s usually taken right out of your Social Security check, so it lowers the income you actually receive.
It looks back two years. Your Medicare premiums are based on your tax return from two years earlier. A big-income year at 63 can raise your premiums at 65.
Where surcharges begin in 2026: income above $109,000 for single filers, or $218,000 for married couples filing jointly. Thresholds change each year.
The widow’s trap: after a spouse dies, the survivor soon files as single, with half the threshold. Similar income can suddenly trigger IRMAA, adding to the income cliff.
2026 thresholds per the Centers for Medicare & Medicaid Services. DB2 Financial Services does not provide tax advice; please coordinate with your tax professional.
We begin with your goals, answer your questions, and explore the choices that fit your circumstances.