Where Can I Learn The Rules Before I Decide?Plain-English Guides To Retirement And Medicare.
Seven guides to the rules behind major retirement decisions in California, each sourced to Medicare.gov, the Social Security Administration, the IRS or the California Department of Insurance.
The Short Answer
These guides explain the rules behind seven retirement decisions: when to sign up for Medicare, Medicare Advantage or Medigap, Medicare while working past 65, Social Security claiming age, annuity income, required minimum distributions and long-term care costs in California. Each cites its sources, so you can check every number yourself.
Source: MJR Financial & Insurance Services
Turning 65
Medicare Guides
Three guides for the year you turn 65, from your first sign-up window to the coverage you choose.
When To Sign Up For Medicare
Your seven-month window, the month coverage starts and what waiting costs you.
Read The GuideMedicare Advantage Vs. Medigap
How the two paths compare on cost, doctors and travel, plus California’s birthday rule.
Read The GuideWorking Past 65 And Medicare
When job coverage lets you wait on Part B, and how to sign up once work ends.
Read The GuideRetirement Income
Income, Taxes And Care
Four guides to the rules that shape how much income you keep and how you pay for care.
When To Claim Social Security
SSA’s own reduction and delayed-credit rules, with what claiming at each age pays.
Read The GuideHow Annuities Create Income
Payout options, surrender charges and the insurer that stands behind the income.
Read The GuideRequired Minimum Distributions
When IRS withdrawals start at 73, how the amount is figured and the cost of missing one.
Read The GuideLong-Term Care Costs In California
2025 costs for home care, assisted living and nursing homes, and how families pay.
Read The GuideHow The Guides Are Written
Sourced, Dated And Written For Your Decision
Every guide follows the same three rules, so you know what you are reading.
Primary Sources
Rules and numbers come from Medicare.gov, the Social Security Administration, the IRS and the California Department of Insurance, with care costs from the 2025 Cost of Care Survey.
Education First
The guides explain the rules and leave product choices for a conversation about your own situation.
Your CPA And Attorney Included
MJR Financial does not give tax, legal or Social Security advice. Maartin works alongside your CPA and attorney.
Questions
Common Questions
Are these guides financial advice?
They are education. Each one explains the rules that agencies such as Medicare, the Social Security Administration and the IRS publish. For guidance on your own situation, book a review with Maartin, who works alongside your CPA and attorney.
Who publishes the guides?
MJR Financial & Insurance Services in Riverside, led by Maartin Rossouw, a licensed California insurance agent (CA Insurance License #790783) who has practiced since 1991.
How current are the numbers?
Each guide lists its sources and the month it was last updated. Figures such as Medicare premiums and IRS limits change every year, so each guide names the year a figure applies to.
Medicare Disclaimer
We do not offer every plan available in your area. Currently we represent 6 organizations which offer 87 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Not affiliated with or endorsed by the U.S. government or the federal Medicare program.
Still Deciding?
Bring Your Questions
To Maartin.
Meet at the Riverside office, by Zoom or by phone, and leave with a clear next step.
Book A Private ReviewRead The Questions Families Ask FirstVisit The Office On Arlington Avenue