Resources: Meet with us: https://bit.ly/4tfEV6e Education center: https://bit.ly/4vKzaPE Retirement Plan Checklist: https://bit.ly/3QkPmXp

Retiring as a single individual in 2026 is mathematically more challenging than for married couples because single filers reach the 22% ordinary income tax bracket at roughly half the income level of those filing married-jointly ($100,000 vs. $200,000) . Without a "built-in" support system or caregiver, single retirees must prioritize a "Power Package" of legal documents—specifically Financial and Medical Powers of Attorney—to ensure their healthcare and financial wishes are executed should they become incapacitated.

Video Chapters

0:00 Introduction: Why Financial Planning for Singles is Different 1:06 Personal Story: Navigating Independence After Loss 3:37 The Independence Factor: Building Your Own Support System 5:33 Tax Headwinds: Single vs. Married Filing Jointly 7:04 The Widow's Penalty: Transitioning to a Single Tax Filer 8:58 The Planning Window: RMDs at Age 75 and Roth Conversions 10:01 Capital Gains Levers: Capturing the 0% Tax Bracket 11:55 Long-Term Care for Singles: Stress-Testing "Solo Aging" 14:19 Modern Housing: Remodeling for Forever vs. Community Living 16:15 Legacy and End-of-Life Planning Without Heirs 17:41 DON'T DO THAT: The Single Person's Power of Attorney Mistake 20:12 Starting the Journey: The Freedom of the Planning Process

Sources: https://youtu.be/Cd3As3HjCMg https://youtu.be/N8MiXAKTbmc https://youtu.be/C7_GdgN502Q https://youtu.be/lSy5ggQWmn8 https://www.modwm.com/catch-up-contributions-for-your-retirement-plan/ __________ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.

The views expressed represent the opinion of Modern Wealth Management a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.