# The Retirement Institute

> Independent, unbiased consumer education, guides, and resources on Medicare, annuities, estate planning, and tax minimization for mature Americans. Operated by an educational services organization funded by local financial sponsors to shield mature Americans from commercial noise.

## Core Resources

- [Home](https://theretirementinstitute.org/): Landing page with featured columns, latest articles, and free magazine subscription options.
- [Medicare Portal](https://theretirementinstitute.org/medicare): Demystifies Medicare Parts A, B, C, and D, Part B premiums ($202.90 in 2026), deductible details ($283), and Part D $2,100 out-of-pocket drug caps.
- [Annuities & Guaranteed Income](https://theretirementinstitute.org/annuities): Educational comparison of fixed index annuities (FIAs) vs. SPIAs, principal protection, and lifetime income options.
- [Estate & Living Trusts](https://theretirementinstitute.org/trust): Principles of estate preservation, living trusts vs. probate, private asset transfer corridors, and legacy audits.
- [Retirement Tax Planning](https://theretirementinstitute.org/taxes): Strategic Roth conversions, Required Minimum Distributions (RMDs) formulas, $6,000 senior tax deduction, and tax-bracket minimization.
- [Planning Tools & Calculators](https://theretirementinstitute.org/planning-tools): Interactive calculators for nest egg depletion, RMD estimation, and annuity payout analysis.
- [TRI Monthly Magazine](https://theretirementinstitute.org/magazine): Ad-free digital print magazine reader covering health, lifestyle, and financial guides.
- [Educational Resource Library](https://theretirementinstitute.org/articles): Directory of all published senior retirement columns, check-lists, and articles.

## Key Articles & Guides

- [Medicare Part B Premium & Deductible 2026](https://theretirementinstitute.org/articles/medicare-part-b): Details the 2026 Medicare Part B premium ($202.90) and annual deductible ($283).
- [Medicare Part D $2,100 Out-of-Pocket Drug Cap](https://theretirementinstitute.org/articles/social-security): Explains the 2026 out-of-pocket cap on covered Part D prescription drugs.
- [Medicare Advantage vs. Original Medicare](https://theretirementinstitute.org/articles/medicare-advantage-vs-original): Plain-English comparison of network rules, out-of-pocket costs, and coverage choices.
- [Why a Living Trust Beats Probate](https://theretirementinstitute.org/articles/living-trust-probate): How revocable living trusts avoid court probate, protect family privacy, and plan for incapacity.
- [2026 Social Security COLA Update](https://theretirementinstitute.org/articles/cola-2026-update): Analysis of the 2.8% COLA increase and how Medicare premiums impact net benefit amounts.

## About & Founder

- [About Dennis M. Postema](https://theretirementinstitute.org/about): Background on Dennis M. Postema, RFC®, bestselling author, and founder of The Retirement Institute.
- [Mission & Charter](https://theretirementinstitute.org/mission): Objective standards and compliance oversight guidelines.