Early Retirement Planning
Leaving work before 65 raises two questions at once: where the income comes from, and where the health coverage comes from. Rusty handles both in the same conversation.
Two Problems, One Plan.
Retiring early is mostly a coverage problem wearing an income problem's clothes. Employer coverage stops, Medicare does not begin until 65, and the years in between have to be bridged without wrecking the income plan that made early retirement possible.
Because Rusty writes both health coverage and safe money and retirement products, the bridge and the income strategy get designed together instead of by two people who never speak.
- Health coverage for the gap years between work and Medicare
- Tax-advantaged income strategies built for a longer drawdown
- MPI and IUL accounts as part of the safe money side of the plan
- A clean handover into Medicare when you turn 65
What Early Retirement Actually Requires
The Coverage Side
- ACA coverage priced against your post-retirement income
- Subsidy review, since retiring changes the income the subsidy is based on
- Short-term medical where it genuinely bridges a defined gap
- A Medicare plan lined up before your 65th birthday, not after
The Income Side
- Income that has to last longer because it starts sooner
- Tax treatment of each source, and the order you draw them
- Safe money products for the part of the plan that must not swing
- Long term care costs factored in rather than assumed away
Common Questions
Most early retirees use an ACA marketplace plan, and the subsidy is calculated on your post-retirement income, which is often far lower than your working income. Rusty runs that calculation before you retire so there are no surprises.
Rusty's retirement work is about safe money and retirement income: strategies where a portion of the plan is protected from market swings. He will explain exactly what any product does, what it costs, and how he is paid before you decide anything.
Well before you hand in notice. The coverage and income decisions interact, and some options are cheaper or simply available only while you are still working and still healthy.
Your coverage transitions to Medicare. Rusty handles that transition for his clients as a matter of course, which is why lining the plan up early matters.
Related Services
Retirement Income Planning
Income built around your actual spending, not a generic drawdown template.
MPI / IUL Accounts
The safe money side: tax-advantaged accounts with protected growth potential.
ACA Individual & Family Plans
The coverage most early retirees use to bridge the years before Medicare.
Plan the Bridge to 65
Bring your target retirement date. Rusty will map the coverage gap and the income plan together, before you commit to a date.
- Free, no-obligation conversation
- In person, virtual, or over the phone
- Independent advice across 8 carriers and 75 plans
Or call directly: 602-291-5169