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If you retired this year and your Medicare premium looks wrong, IRMAA may be the reason. Medicare often uses income from 2 years ago, but retirees with a major income drop may be able to ask Social Security to look again.

Your retirement portfolio has a different job than the portfolio you used while saving. It has to support withdrawals, handle taxes, survive bad markets, and help turn a lifetime of savings into a paycheck you won’t outlive.

Before married Wichita couples claim Social Security, they should know what happens to survivor income when one spouse dies and one check disappears.