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Astro
April 1, 2029
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MISSION / RETIREMENT
Prepare for the
next horizon.
Two milestones, one long-range planning desk, and a practical guide for protecting income, health decisions, property, and the people who matter.
PLAN EARLYREVIEW ANNUALLYADAPT AT LIFE EVENTS
ORBITAL PLAN / ACTIVE
MISSION CLOCKS
Retirement countdown
Central Time · clocks update every secondD / 02COUNTDOWN ACTIVE
Dustin
September 30, 2029
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PLANNING FRAMEWORK
Protect the whole mission
Coordinate the documents—one does not replace the others.Retirement income plan
Estimate essential and flexible spending, pensions, Social Security, portfolio withdrawals, taxes, inflation, insurance, and a cash reserve. Test the plan against longer life, market declines, and higher health costs.
U.S. retirement toolkit ↗Beneficiary designations
Retirement accounts, life insurance, and transfer-on-death arrangements generally follow their own beneficiary forms. Review primary and contingent beneficiaries after marriage, divorce, birth, death, or a major account change.
IRS beneficiary guidance ↗Last will and testament
A will states who should receive probate property and names an executor; it can also nominate guardians. It does not automatically control assets that pass by beneficiary designation, joint ownership, or a properly funded trust.
Texas wills and estates ↗Revocable living trust
A trust can provide management continuity during incapacity and may keep properly titled assets out of probate. It must be created, funded, maintained, and coordinated with the will and beneficiary forms; it is not automatically a tax shelter.
CFPB trustee and caregiver guides ↗Living will and medical authority
A living will—often called a directive to physicians—records treatment wishes if you cannot speak for yourself. A medical power of attorney names a trusted health-care decision-maker. These are separate from a financial power of attorney.
Texas advance-directive forms ↗Durable financial power of attorney
This document lets a chosen agent handle authorized financial matters and can remain effective during incapacity when drafted as durable. Choose the agent carefully, define authority clearly, and consider oversight safeguards.
CFPB power-of-attorney guide ↗ANNUAL SYSTEM CHECK
Keep the plan aligned
- InventoryAccounts, property, debts, insurance, digital assets, and important documents.
- Confirm peopleBeneficiaries, executor, trustees, financial agent, medical agent, and backups.
- CoordinateMake titles, beneficiary forms, will, trust, and powers of attorney work together.
- Share accessTell trusted people where signed originals, contacts, and emergency instructions are stored.
- RevisitReview yearly and after marriage, divorce, relocation, birth, death, illness, or major asset changes.
OFFICIAL REFERENCE DESK
Helpful retirement links
Start with official sources, then confirm personal decisions with professionals.Social Security RetirementBenefits, timing, estimates, and application planningSSA ↗Get Started with MedicareEligibility, enrollment timing, coverage, and costsCMS ↗IRS Retirement PlansIRAs, contribution limits, distributions, and tax rulesIRS ↗Required Minimum DistributionsCurrent RMD timing, calculations, and responsibilitiesIRS ↗Free Financial Planning ToolsRetirement, RMD, savings, and investment-research toolsSEC ↗VA End-of-Life BenefitsPlanning resources and benefits for Veterans and familiesVA ↗Managing Someone Else’s MoneyGuides for agents, trustees, guardians, and caregiversCFPB ↗Texas Advance DirectivesOfficial living-will and medical-power formsTX HHS ↗