Apr 23, 2026
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.