For Americans Aged 50–80 Who Are About to Sign, Withdraw, Enroll, or Sell

Never Walk Into a Bank, a Tax Office, or a Closing With an Empty Folder.

In just 15 minutes at your kitchen table, The Fireside Set puts every critical 2026/2027 bank, Social Security, Medicare, and IRS rule — plus word-for-word scripts — in front of you in 16-point large print…

WITHOUT paying a professional $400 an hour to explain the basics,
WITHOUT sitting through high-pressure "free lunch" advisor pitches, and
WITHOUT scrambling to write down numbers from fast videos.

See Today's 3 Options — Save Up to $100

The Fireside Rulebook, The Kitchen-Table Workbook, the If I Go First binder and the Ask Before You Sign script book on a kitchen table

The Complete Set

Everything on one kitchen table

Book 1 · Book 2 · "If I Go First" Spouse Binder · Script Book · Vetting Guide · 50-State Chart

Before vs. After

What changes on your side of the desk

Before

An empty folder
Half-remembered video notes
Signing blind
Surprise 2-year IRMAA bills

After

A full folder, your numbers in
16pt rules with official IRS & SSA sources
Word-for-word scripts
Peace of mind before you sign

Your Situation

Does this apply to my situation?

401(k) & IRA rollovers
Selling a home at 65+
Lump-sum pension offers
Large bank deposits
County property-tax exemptions
Surviving-spouse rules

If even one is on your calendar this year, this set was written for you.

Real Large-Print Preview

See the difference for yourself

Typical 10-point print

RMDs begin at age 73 — or 75 if you were born in 1960 or later. Source: IRS Publication 590-B.

The Fireside Set · 16-point print

RMDs begin at age 73 — or 75 if you were born in 1960 or later.

Official source: IRS Publication 590-B

10-Minute Background Check

Check any advisor for free — before you hand over a dime

1FINRA BrokerCheck — licenses, firms, customer complaints
2SEC Adviser Public Disclosure — registration & discipline
3CPAverify — is your CPA really licensed?
4NAELA Directory — find a real elder-law attorney

Red flag: "You have to sign today." Plus how each kind of professional really gets paid.

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One-time payment — never a subscription, never a surprise charge.
Lifetime re-delivery — lost your file or got a new computer? We send a fresh copy.
Free January 2027 Update for Complete Set owners.

1 of 6 — The Complete Set · tap the numbers or swipe

Spot hidden tax & Medicare traps early: See how a single pension lump sum, 401(k) withdrawal, or gift can trigger the 2-year IRMAA lookback — before you pull the money.
Deposit large checks without nasty surprises: Know what your bank reports on cash over $10,000, what to call ahead and say before a big check, and why "splitting deposits" is a federal crime.
Never freeze up across the desk: Slide tear-out, word-for-word question scripts across the table to your CPA, banker, or estate attorney before you sign.Complete Set
Protect your surviving spouse tonight: Leave a crystal-clear "If I Go First" roadmap so the person you love isn't left guessing where accounts live or who to call first.Complete Set

See Today's 3 Options — Save Up to $100

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Hi, I'm James. You may know me from my videos. This is everything I explain on camera — written down, in large print, so you can keep it.

The Federal Calendar Does Not Wait

Three Dates That Decide What You Pay for Years

Medicare Open Enrollment closes December 7.

Dec 7

Medicare Open Enrollment Ends

Your last chance this year to switch Part D drug plans or move between Original Medicare and Medicare Advantage for coverage starting January 1.

Dec 31

RMD & Tax-Move Cutoff

For most people already taking them, the deadline for this year's Required Minimum Distribution — and the last day for a 2026 Roth conversion or a gift that counts toward this year's $19,000 exclusion.

Jan 1, 2027

The Rule Reset

New IRS and CMS figures take effect. And remember: Medicare sets your 2028 premiums from the income on your 2026 tax return. A December move can follow you for two years.

A December 2026 kitchen calendar with December 7 and December 31 circled in red

Every week you wait before sitting down with your CPA or bank manager is a week less to fix a mistake that could mean a two-year Medicare surcharge — or a late-enrollment penalty that stays with you for as long as you have Medicare.

Quick Answers Before You Read On

Is this a physical book or an instant PDF?

An instant PDF download. Read it on any screen tonight, or print it at home, at Staples, or at FedEx Office.

Do I need a password or computer skills?

No. No account, no password, no app — just one email with one big download button.

Does one set cover both spouses?

Yes. One purchase covers your whole household — print a copy for each of you.

Does Any of This Sound Familiar?

You watched the video twice — and still couldn't write the numbers down fast enough.

The host rattled off three deadlines, two income limits, and a form number in eight minutes. You paused, rewound, grabbed an envelope… and by the time you got to the bank on Tuesday, all you remembered was "there's some rule about this."

You took the $198,000 pension lump sum — and nobody mentioned Medicare looks back two years.

Or you helped the kids with a down payment by pulling extra from the IRA. It felt like a good, generous decision. Then a letter from Social Security arrived saying your Medicare Part B and Part D premiums are going up — because of an IRMAA surcharge based on your tax return from two years earlier. Nobody told you there was a form (SSA-44) for certain life-changing events, or that timing the withdrawal differently might have helped.

You're about to deposit a big check — and you're worried the bank will "flag" you.

The house sold. The settlement came through. The life insurance paid out. Now you're lying awake wondering if the bank will freeze it, report you, or ask questions you can't answer. A neighbor told you to "just deposit it in smaller pieces." That advice could turn an innocent deposit into a federal crime called "structuring."

You're thinking of adding your son or daughter to the house deed "to keep it simple."

It sounds sensible — skip probate, make things easy. But many families learn too late that putting a child on the deed while you're living can cost them the "step-up in basis" they would have received by inheriting the home — potentially leaving them a capital-gains tax bill on decades of appreciation when they sell.

And the question you don't say out loud: "What would my spouse do if I weren't here tomorrow?"

You handle the accounts. You know which bank, which policy, which pension, which password hint. Your husband or wife doesn't — not really. If something happened tonight, would they know who to call first, which benefits to claim, and where the papers are?

James at a kitchen table with a large-print binder

If you nodded at even one of these, please hear this:

It is not your fault. You are smart, careful, and you've been handling money responsibly for fifty years. The problem is not you. The problem is which side of the desk you're sitting on.

The Real Reason Smart People Make Expensive Mistakes

"The Other Side of the Desk"

Every bank branch manager, IRS agent, Social Security representative, and CPA you'll ever sit across from works from a manual, a checklist, and a script. It's sitting right there on their side of the desk — or on the screen turned away from you.

And on your side of the desk? An empty folder. A pen. Maybe a sticky note with half a number on it from a fast video you watched yesterday.

Their Side of the Desk

A policy manual covering every rule that applies to you
A compliance checklist they must follow on every transaction
An approved script for what to say — and what not to
Software that calculates holds, taxes, and penalties instantly
Years of training — and the next customer waiting

Your Side of the Desk

An empty folder
Numbers scribbled on the back of an envelope
A half-remembered rule from an 8-minute video
No idea which question to ask first
A form already slid across the desk, waiting for your signature

The "Last-Signature Problem"

Here is what our research keeps finding: expensive retirement mistakes rarely come from bad intentions or bad math. They happen in one specific moment — when you sign, withdraw, or deposit before you've asked the right question to the right professional.

Once the signature is on the page, the rollover is processed, or the deed is recorded, most of these decisions are expensive — or impossible — to undo. The fix isn't to become a tax expert. The fix is to walk in with your own manual, your own checklist, and your own script.

That's exactly what The Fireside Set is.

How It Works

The 4-Step Fireside Method

1
KNOW

Read the public rule in plain English — one rule per page, with the official source printed at the bottom.
2
GATHER

Fill in your own numbers and paperwork with a pen at the kitchen table, so nothing is left to memory.
3
ASK

Read word-for-word scripts out loud — or slide the page across the desk — before you sign anything.
4
VERIFY

Check any advisor, CPA, or attorney for free in about 10 minutes on official public databases.

A retired couple reviewing a large-print binder together at their kitchen table — **Walking in prepared:** your numbers filled in, your questions written down, the official source on every page.

Your explanations are so informative—where were you 10 years ago? Both my wife and I turned 73 this year and expect a real hit on Medicare. Having the rules and bank steps written down so I can review them at my own pace is priceless.

Mike Z.Age 73 · Viewer of James's videos

$0 Commissions
Ever

We Don't Want to Manage a Single Dime of Your Money.

James on Retirement is an independent educational publisher — not an investment firm, not an insurance agency, not a "free lunch" seminar. We sell no investments. We pitch no annuities. We earn no hidden commissions.

Unlike "free lunch" seminar advisors who want a percentage of your 401(k), we don't want to manage a single dime of your money. We give you the written rulebook and the exact questions to protect yourself — then you choose your own professionals, with your eyes open.

"The only thing we'll ever sell you is the book. That's the point." — James

Look Inside — Actual Page Layout

See How Easy It Is to Read

No tiny footnotes. No crowded columns. No squinting. All reading text is printed in 16-point type, with wide margins for your own pen notes — and the official government source at the bottom, so you can show anyone where the rule comes from.

Part 4 · IRS & Your Accounts Rule 4.3

Move Your 401(k) Directly — Never Through Your Own Hands.

The rule: When an employer plan sends a rollover check made out to you, the plan must withhold 20% for federal tax — even if you plan to roll it all over.

To avoid tax on the full amount, you have 60 days to deposit 100% into an IRA — including the 20% you never received, from your own pocket.

✓ The safer way: ask for a direct rollover, paid straight to your new account. No 20% withheld.

My notes:

Official source: IRS.gov — "Rollovers of Retirement Plan and IRA Distributions"; IRS Publication 575.

The Rulebook page: one rule, plain English, the safer move, room for notes, the official source.

Ask Before You Sign

Script C-4 · Your CPA · Before a Large Withdrawal

Read this out loud, or slide it across the desk:

"Before I take out of my this year, I'd like you to run the numbers with me:

What will this do to my adjusted gross income — and to how much of my Social Security is taxed?
Will it push my Medicare premiums into an IRMAA bracket two years from now?
Would splitting it between December and January lower the total tax?
How much federal and state tax should I have withheld?
Is there a better account to take it from first?"

Bring: last year's tax return, this year's statements

Write down: their answer, their name, the date

Official sources: SSA — "Premiums: Rules for Higher-Income Beneficiaries"; IRS Publication 915.

The Script Book page: the exact words, what to bring, and what to write down.

We recently downsized and have significant assets to protect in this stage of life. Having the exact questions to ask a CPA and knowing how to avoid unnecessary tax traps before signing anything gives us real peace of mind.

Jane R.Mid-60s · Recently Downsized · Viewer of James's videos

The Complete Breakdown

Everything Inside The Fireside Set

Every guide is in Senior-Friendly 16-Point Large Print, one rule per page, with wide margins for your pen notes and the official source — SSA, CMS, IRS, or FDIC — printed at the bottom of every page.

Book 1 · Step 1: KNOW

The Fireside Rulebook

In All 3 Options

18 large-print chapters that explain the public rules the professionals already know — in plain kitchen-table English.

Part 1 — Your Bank

The real $250,000 FDIC rule — per depositor, per bank, per ownership category — and how couples can be insured well beyond $250,000 at a single bank.
Cash deposits over $10,000: what the bank reports, why it's routine, and why splitting deposits to stay under the limit is a federal crime called "structuring."
What actually triggers a hold on a large check — and the call to make before you deposit a home-sale or settlement check.
Joint vs. POD vs. Power of Attorney: who can access the money while you're living, and who gets it after.

Part 2 — Social Security

The Full Retirement Age chart by birth year, in big type you can actually read.
Spousal and survivor rules — what the surviving spouse keeps, and what changes.
How to decode SSA letters, line by line, before you panic or call.

Part 3 — Medicare

The key windows: Open Enrollment (Oct 15 – Dec 7) and the Medicare Advantage Open Enrollment Period (Jan 1 – Mar 31) — what you can and can't change in each.
The 2-year IRMAA lookback, and how Form SSA-44 lets you ask for a reduction after a life-changing event like retirement or the death of a spouse.
How to get free, unbiased plan counseling from your state's SHIP program.

Part 4 — IRS & Your Accounts

RMDs at 73 or 75 — which age applies to your birth year, and what the first-year deadline really is.
Direct vs. indirect 401(k)/403(b) rollovers — and how to avoid the 20% withholding trap.
How one big withdrawal triggers 3 tax ripples: your income tax bracket, the taxable share of your Social Security, and your Medicare premiums.
The $19,000 annual gift exclusion and when you need to file Form 709 (usually without owing a penny).

Part 5 — Your Home & Scams

The $250,000 / $500,000 home-sale exclusion and the records that protect it.
The hidden tax danger of putting your children on your deed.
How to find your county's senior property-tax exemption — many homeowners qualify and never apply.
7 calls that are always a scam — no matter how official they sound.

Book 2 · Step 2: GATHER

The Kitchen-Table Workbook

In the $47 & $97 Options

12 fill-in-the-blank worksheets to organize your own numbers with a pen — so you walk into every appointment with a full folder instead of an empty one.

My Money Map — every account in one place
FDIC Coverage Checker — are you fully insured?
Big Deposit Prep Sheet — before that large check
Before-I-Withdraw Retirement Checklist
My Income Timeline & 2-Year IRMAA Lookback Tracker
RMD Calendar — age 73 / 75 rules
60-Day Rollover Prep Sheet
Home Sale Capital Gains & Improvements Folder
Medicare Plan Comparison Sheet
Agency Phone-Call Log — who said what, and when
Official Letter Tracker
Annual January Review

🎁 Bonus: Printable Wallet Scam-Shield Card

The calls Social Security, Medicare, the IRS, and your bank will never make — folded to fit behind your Medicare card.

🎁 Bonus: 2027 Federal Deadlines Fridge Poster

Every key Medicare, Social Security, and IRS date for 2027 on one large-print page.

Only in The Complete Fireside Set ($97)

The 4 High-Stakes Protection Guides

These solve the #1 problem we hear from readers: "Who can I trust, what do I ask — and what happens to my spouse?"

Exclusive #1 · Step 4: VERIFY

"Who to Call & How to Check Them" — The 10-Minute Vetting Directory

The 20-Decision Map: selling a home at 70, a large 401(k) or IRA rollover, a lump-sum pension offer, a Medicare switch, a deed change or probate — exactly which professional handles what: CPA vs. Enrolled Agent vs. Elder Law Attorney vs. Fee-Only Fiduciary.
The free, unbiased help most people never use: SHIP Medicare counseling, AARP Tax-Aide, and IRS VITA / TCE free tax help.
The 10-Minute Background Check: a step-by-step picture guide to checking any advisor, CPA, or attorney for free on FINRA BrokerCheck, SEC IAPD, CPAverify, and the NAELA directory — before you hand over a dime.
12 Advisor Red Flags — and a plain-English chart of how each kind of professional actually gets paid.

Exclusive #2 · Step 3: ASK

"Ask Before You Sign" — The Word-for-Word Script Book

Printable, tear-out scripts to read out loud or slide across the desk. No more freezing up. No more "I'll think of it in the car."

Your CPA: large withdrawals, Roth conversions, the 2-year IRMAA lookback, and gifts over $19,000 (Form 709).
Your Bank Manager: large deposits, how to avoid a surprise hold on a big check by calling ahead, FDIC ownership categories, and POD vs. Joint vs. POA.
Your Estate Attorney: adding children to a home deed vs. a trust vs. other options — and what each costs your heirs in taxes.
Medicare & Social Security representatives: what to say, what to ask for in writing, and what to write down before you hang up.

Exclusive #3 · For Your Spouse & Family

"If I Go First" — The Spouse & Family Emergency Binder

The fill-in-the-blank Master Locator: every account, policy, pension, and benefit — and where each document lives — without writing down raw passwords.
"The First 30 Days": the step-by-step call order for a surviving spouse — who to call first, second, and third.
The Social Security Survivor Benefit Checklist: what to bring, what to ask, and what changes.
"My Wishes" pages: in your own handwriting, for the people you love.

Exclusive #4 · Know Your State

The 50-State Senior Tax & Exemption Quick-Reference Chart

Whether your state taxes Social Security — most don't, and a few still do.
State-by-state pension and 401(k)/IRA income exemptions.
Where to claim over-65 county property-tax relief in your state.

🎁 Free Bonus · Complete Set Only

Automatic January 2027 Official Update Edition + Print-Ready Binder Kit

The January 2027 Update Edition, sent free by email as soon as the final 2027 IRS and CMS numbers take effect. Nothing to log into, nothing to renew.
Printable binder covers and tab dividers, so the whole set lives in one tidy binder on the shelf.
1-page print-shop instructions for printing at home, at Staples or FedEx Office, or forwarding to a grandchild.

Side by Side

Compare Your 3 Options

Swipe the table sideways to see all three options →

Feature comparison of the three Fireside Set options
What's included	Most Popular Complete Set $97	Rulebook + Workbook $47	Rulebook $27
The Fireside Rulebook — 18 large-print chapters	✓	✓	✓
16-point print, one rule per page, official source on every page	✓	✓	✓
The Kitchen-Table Workbook — 12 worksheets	✓	✓	—
Wallet Scam-Shield Card + 2027 Fridge Poster	✓	✓	—
"Who to Call & How to Check Them" Vetting Directory	✓	—	—
"Ask Before You Sign" Word-for-Word Script Book	✓	—	—
"If I Go First" Spouse & Family Emergency Binder	✓	—	—
50-State Senior Tax & Exemption Chart	✓	—	—
Free January 2027 Official Update Edition	✓	—	—
Binder covers, tab dividers & print-shop instructions	✓	—	—
Written for both spouses to use together	✓	—	—
Guaranteed delivery + lifetime re-delivery support	✓	✓	✓
Regular price → Today	$197 $97	$94 $47	$54 $27

For just $50 more than the $47 option, the Complete Set adds all four protection guides, the spouse binder, and the free January 2027 update — less than $49 per person when you share it with your spouse.

Thank you for sharing these insightful, plain-English explanations. I make sure to go through every single one—no scare tactics, just the rules we actually need before walking into an office.

Greg G.Retired · Viewer of James's videos

2026–2027 Enrollment & Tax Prep Edition

Choose Your Fireside Set

Special Enrollment Season pricing — up to 50% off — is active today. Every option downloads instantly, with no subscription and nothing to log into.

Today's Enrollment Pricing Window

Special 50% Off Enrollment Pricing Active for Today

Current enrollment pricing window:

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★ Most Popular — Complete Protection for Both Spouses
(Less than $49 per person)

The Complete Fireside Set

Most Complete — Covers Both Spouses

The Fireside Rulebook (18 chapters)($27 Value)
The Kitchen-Table Workbook + wallet card + fridge poster($47 Value)
"Who to Call & How to Check Them" Vetting Directory($39 Value)
"Ask Before You Sign" Word-for-Word Script Book($39 Value)
"If I Go First" Spouse & Family Emergency Binder($47 Value)
50-State Senior Tax & Exemption Chart($27 Value)
FREE January 2027 Update + binder covers, tabs & print-shop guide($29 Value)

🎁 4 Free Enrollment Bonuses Unlocked With This Set

🔓 Unlocked"If I Go First" Spouse Binder
🔓 Unlocked10-Minute Vetting Guide
🔓 Unlocked50-State Tax Chart
🔓 UnlockedFree January 2027 Update

Who to trust, what to ask, what your state taxes, and what your spouse does next — answered.

Total Value:$255

Regular Price:$197

Your Price Today: $97

$97 Today — Save $100

Yes! Send Me the Complete Set — $97

One-time payment via Credit Card or PayPal. Zero subscriptions. Zero surprise checkout upsells.

Rules + Personal Organizer

The Rulebook + Kitchen-Table Workbook

$94 $47 Today

Save $47

The Fireside Rulebook (18 chapters)
The Kitchen-Table Workbook (12 worksheets)
Bonus Wallet Scam-Shield Card
Bonus 2027 Federal Deadlines Fridge Poster

Does not include the "Who to Call" Vetting Guide, the Word-for-Word Scripts, the 50-State Chart, the "If I Go First" Spouse Binder, or the free January 2027 Update.

Get the Rulebook + Workbook — $47

One-time payment via Credit Card or PayPal. Zero subscriptions. Zero surprise checkout upsells.

Basic Reference Guide

The Fireside Rulebook

$54 $27 Today

Save $27

18 large-print chapters in 5 parts
Your Bank · Social Security · Medicare · IRS & Accounts · Your Home & Scams
16-point print, one rule per page
Official source on every page

The rules only — no worksheets, no scripts, no spouse binder, no update edition.

Get the Rulebook — $27

One-time payment via Credit Card or PayPal. Zero subscriptions. Zero surprise checkout upsells.

🔒 Secure checkout 💳 Credit Card or PayPal 📩 Instant email delivery Independent US publisher

Instant digital download with 100% guaranteed delivery — all sales are final once downloaded. Read our .

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Within minutes, an email arrives with one big download button. No password. No codes. No app to install.

Don't Have a Printer at Home? No Problem.

Forward the email to a child or grandchild. They can print it and drop it off — or mail it to you.
Show your phone at Staples or FedEx Office. Open the email, tap the download, and hand your phone to the clerk. Our 1-page print-shop instructions tell them exactly how to print and bind it.
Or read it on your tablet. The 16-point print is easy on the eyes on an iPad or any large screen — and you can zoom in even further.

Didn't see the email? Check your spam or "Promotions" folder, or write to us at help@jamesonretirement.shop and a real person will resend it.

James at his desk writing notes in a binder

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Our Ironclad "Kitchen-Table Delivery & Zero-Subscription" Pledge

You can preview the exact 16-point layout right here on this page before you order — so there are no surprises when you open your set. And we guarantee three things, in writing:

1Guaranteed Delivery to Your Inbox (and Any Future Device). If you ever misplace your file, switch computers, or need help opening or printing your PDF, simply email help@jamesonretirement.shop and our team will personally send you a fresh copy — forever.
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3Official Source Accuracy & Free 2027 Update (Complete Set). Every rule cites the official SSA, CMS, IRS, or FDIC publication at the bottom of the page, and Complete Set owners are guaranteed to receive the January 2027 Update Edition free by email.

"I'd rather you read one page tonight than watch ten more videos." — James

Your Questions, Answered Plainly

Frequently Asked Questions

Is this a physical book or a PDF?

The Fireside Set is a digital PDF download — nothing is shipped to your home. That's how we deliver it instantly and keep the price low. You can read it on a computer, tablet, or phone, or print it at home, at Staples or FedEx Office, or have a family member print it for you. The Complete Set includes binder covers, tab dividers, and 1-page print-shop instructions so it looks and feels like a real reference binder on your shelf.

How big is the print, really?

All reading text is set in 16-point type — noticeably larger than a typical paperback or newspaper — and tables and charts never go below 13-point. There's one rule per page, wide margins for your pen notes, and plenty of white space. The sample pages in the "Look Inside" section above show you the actual layout. On a tablet, you can zoom in even further.

How does the free January 2027 Update work?

Every year, the IRS, Social Security, and Medicare (CMS) publish new numbers — income limits, premiums, deductibles, and thresholds. If you choose the Complete Fireside Set, we'll email you the January 2027 Update Edition automatically as soon as the final 2027 figures take effect. You don't need to log in, sign up for anything, or pay again. Just watch for an email from James on Retirement in January and click the download button, the same way you did the first time.

Will James tell me what to do with my money?

No — and that's on purpose. We are an independent educational publisher, not a financial advisor, tax preparer, insurance agent, or law firm. We don't know your full situation, and anyone who tells you what to do without knowing it is guessing — or selling. What we give you is the public rule, the official source, and the exact questions to ask the licensed professional who does review your situation. That way you stay in charge, and you can tell a good answer from a sales pitch.

Does one purchase cover my spouse too?

Yes. Every option is for your household — print one copy for each of you if you like. The Complete Fireside Set is designed for couples: the "If I Go First" Spouse & Family Emergency Binder, the survivor checklists, and the "My Wishes" pages are meant to be filled in together, so the person you love isn't left guessing. At $97, that's less than $49 per person.

What if I have trouble opening or printing my PDF?

Just email help@jamesonretirement.shop and a real person will help you get it open — step by step, in plain English — or send you a copy already formatted for your printer or the print shop. Because every file is delivered instantly as a downloadable PDF, all sales are final once downloaded. But delivery is 100% guaranteed: if a file is ever corrupted, lost, or stuck on an old computer, we'll send you a fresh copy, for as long as you own it. You can also preview the exact page layout in the "Look Inside" section before you order.

I'm not good with computers. Can I still get it?

Absolutely. If you can open an email, you can get The Fireside Set. There's no account to create, no password, no verification codes, and no app. After checkout, an email arrives with one large download button. If anything goes wrong, write to us and a real person will help — or simply forward the email to a family member and let them print it for you.

Is this a subscription? Will I be charged again?

Never. It's a single, one-time payment by credit card or PayPal through a secure checkout. There's no subscription, no automatic renewal, and no surprise "special offer" pages stacked into checkout. You pay once, you download, and it's yours to keep.

James on the front porch of an American home holding a binder

Your Next Appointment Is Coming. Walk In Prepared.

Somewhere on your calendar there's a bank visit, a tax appointment, a Medicare decision, or a closing. Before then, the deadlines of December 7 and December 31 will come and go — and on January 1, the numbers reset.

You can walk in with an empty folder, the way most people do. Or you can walk in with your own rulebook, your own numbers, and your own questions — and leave knowing you asked everything you should have asked.

See Today's 3 Options — Save Up to $100

To your security and your peace of mind,

James

Host, James on Retirement

P.S. The most expensive question is the one you think of in the car on the way home. The Complete Fireside Set puts every one of those questions on paper — for you and your spouse — with the free January 2027 Update included, for less than $49 per person. Choose your option here.

P.P.S. Medicare Open Enrollment closes on December 7, and the year-end RMD and tax-move window closes on December 31. The Fireside Set takes one evening to read — the right time to open it is before your next appointment, not after.