Guilherme Correia is an active-duty member of the U.S. Air Force, an electrical engineering student at Arizona State University, a husband and a father. He founded Retiree Toolkit and its sister site, Military Toolkit, through his company, Correia Virtus LLC.
He writes and signs every guide on this site. Each one is built from the agency's own documents: the Social Security Administration's fact sheets and tables, Medicare and CMS notices, and IRS revenue procedures, notices and publications. He saves a dated copy of each document, quotes it where the wording matters, and links to it at the end of the article so you can check it yourself.
What he will not do
He is not a financial adviser, accountant or lawyer, and the guides are not personal advice. When a figure has not been published yet, the guide says so instead of guessing. When an agency changes a number, the guide is corrected against the new document and its date is updated.
Get in touch
Found a figure that does not match its source, or a question a guide should answer? Write to support@correiavirtus.com.
Guides by Guilherme Correia
SavingsQualified charitable distributions: giving from your IRA tax-freeHow a QCD sends IRA money straight to charity without counting as income, who can make one, the 2026 and 2027 limits, and how it counts toward your RMD.
SavingsInherited IRA rules: the 10-year rule and who gets more timeWho counts as an eligible designated beneficiary, how the 10-year rule works, when yearly withdrawals are required, and the choices a surviving spouse has.
Social SecurityWhen is my Social Security payment? The 2027 schedule explainedHow Social Security picks your payment day: three Wednesday groups by birthday, and who is paid on the 3rd. With the January to March 2027 dates.
MedicareMedicare late enrollment penalties: Part A, Part B and Part DHow the Medicare late enrollment penalties are worked out, with Medicare's own examples, and which ones last for life.
MedicareMedicare enrollment periods: when you can sign up and switchThe three Medicare enrollment periods most people use: the seven months around 65, Open Enrollment in the fall, and the Medicare Advantage window.
Savings401(k) and IRA limits for 2027: what changedThe 2027 limits for 401(k)s, IRAs, catch-up contributions, Roth IRA income ranges and HSAs, next to the 2026 figures.
TaxesTax brackets and standard deduction for 2027: what changedWhat moved between tax year 2026 and tax year 2027: the standard deduction, the extra amount at 65, and where each bracket starts.
Social SecurityWhen to start Social Security: 62, full retirement age or 70What starting Social Security at 62, at full retirement age or at 70 does to your monthly check, using the Social Security Administration's own figures.
Social SecurityWorking while collecting Social Security: the 2027 earnings limitHow much you can earn in 2027 before Social Security holds back benefits, how much it holds back, and why that money is not gone.
Social SecurityHow Social Security benefits are taxedWhen Social Security benefits become taxable, how the IRS works out the taxable part, and how to have tax withheld from your payment.
MedicareIRMAA explained: how income raises your Medicare premiumsWhat IRMAA is, the income where it starts, how much it adds to Part B and Part D premiums, and who pays it.
SavingsRequired minimum distributions: the rules in plain EnglishWhen required minimum distributions start, the deadlines, how the amount is worked out, and what happens with more than one IRA.
TaxesThe $6,000 deduction for seniors: who gets it and for how longThe extra $6,000 deduction for people 65 and older: who qualifies, the income where it phases out, and the years it applies.