Plan•Protect•Prosper
Free Guide · Updated for 2026 Tax Rules
Turn Your Savings Into a Retirement Paycheck That Lasts
Get The Tax-Smart Retirement Income Guide and learn how to draw income from your 401(k), IRA and Social Security in the right order, so you keep more of what you saved.
This guide is for you if
You've done the saving. Now you need a plan to spend it.
You're within 10 years of retirement, or already retired, and want to know your money will last.
Most of your savings sit in a 401(k) or IRA, and you're unsure how much tax you'll owe when you take it out.
You want to choose the right age to claim Social Security without leaving money on the table.
What's inside
Six chapters that answer the questions retirees ask most
Each chapter is short, practical and written in plain English. Read it in one sitting, then use it as a checklist for your own plan.
Chapter 1What Do You Want Retirement to Look Like?
The four money goals most retirees share, and how to decide which matter most to you.
Chapter 2What Will Retirement Cost?
Must-haves, wants, rising prices, and why a retirement that starts at 65 could last 30 years.
Chapter 3Where Will Your Paycheck Come From?
Social Security timing at 62, 67 or 70, pensions and other income, plus a simple worksheet to find your gap.
Chapter 4Turning Savings Into a Paycheck
How much you can take out, why timing matters, and how annuities can create income you can't outlive.
Chapter 5Taxes: The Expense Most People Forget
The three tax buckets, required withdrawals at 73 or 75, Medicare surcharges and the Roth conversion window.
Chapter 6Protecting Against the Big Risks
Living a long time, a market drop at the wrong time, long-term care and losing a spouse.
How it works
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From the author
Hi, I'm Roger Fishel.
I help people who are close to retirement, or already there, turn what they've saved into income they can count on. Most of the families I meet did a great job saving. What they don't have is a clear plan for spending it in a way that keeps taxes low and the money lasting.
I wrote this guide to give you that plan in plain English. Use it on your own, or bring your questions to a free call and we'll walk through your situation together.
Questions
Before you download
Is the guide really free?
Yes. There's no cost and no credit card. Fill in the short form and the PDF is yours.
Will someone pressure me?
No. You'll get the guide and a few helpful follow-up emails, and Roger's team may reach out once to make sure it arrived and answer any questions. There's no sales pitch, and you can unsubscribe at any time.
I'm already retired. Is it too late?
Not at all. Chapters 3 through 6 cover decisions you make every year in retirement, including Social Security, withdrawals, taxes and Medicare premiums.
How do I receive it?
It opens on the very next page as a PDF you can read on your phone or computer, and we also email you a copy so you can find it later.
Free download
Retire with a plan, not a guess.
Get the Tax-Smart Retirement Income Guide today.
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