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It's about how you create income, manage taxes, decide when to claim Social Security, evaluate Roth conversions, navigate Medicare premiums, and coordinate all of those decisions into a plan that can support the retirement you envision. https://sentientfinancialllc.com/blog/how-to-appeal-an-irmaa-determination monthly 0.5 2026-08-18 https://images.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/10e13b6c-c5d5-4d58-9883-b6ff7c688e03/How+to+Appeal+an+IRMAA+Determination+thumbnail.png BLOG - How to Appeal an IRMAA Determination Using Form SSA-44 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://sentientfinancialllc.com/blog/irmaa-two-year-look-back-rule monthly 0.5 2026-08-20 https://images.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/d0283414-ed4c-430d-ae98-b016c3bfdc2c/Understanding+the+IRMAA+Two-Year+Look-Back+Rule.png BLOG - Understanding the IRMAA Two-Year Look-Back Rule - Make it stand out Understanding the IRMAA Two-Year Look-Back Rule and how income from two years ago can increase Medicare Part B and Part D premiums for retirees. https://images.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/88fb1eb7-3c20-4237-841b-e66532248352/Website.png BLOG - Understanding the IRMAA Two-Year Look-Back Rule - Hi, I'm Patrick. I'm Patrick Thompson, founder of Sentient Financial. I'm a fee-only fiduciary financial advisor based in Laguna Niguel, serving pre-retirees throughout South Orange County and virtually across the country. I work primarily with people approaching retirement, helping them coordinate their investments, income, taxes, Social Security, and Medicare so each decision works as part of a broader retirement plan. See How I Work → https://sentientfinancialllc.com/blog/irmaa-brackets-2026 monthly 0.5 2026-08-20 https://images.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/523d43c3-335a-4ffc-885c-b6fb6e51ef49/IRMAA+Tax+Brackets+thumbnail.png BLOG - IRMAA Brackets 2026: How Much Will You Pay for Medicare? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/70034d87-32c4-4ddf-a3d0-bdbc4f2de067/IRMAA+Single+Filer+2024.png BLOG - IRMAA Brackets 2026: How Much Will You Pay for Medicare? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/8f7414b2-a048-4efd-b7a1-734e1666ad5b/IRMAA+Part+B+Married+2024.png BLOG - IRMAA Brackets 2026: How Much Will You Pay for Medicare? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/d3990838-e232-4f47-90f2-8a25946c61ca/IRMAA+Part+D+Both+2024.png BLOG - IRMAA Brackets 2026: How Much Will You Pay for Medicare? - Make it stand out Note for married filing separately: If you lived with your spouse at any point during the tax year, the brackets are much harsher. IRMAA jumps immediately to $446.30 per month in Part B surcharges if your MAGI exceeds $109,000, with no intermediate tiers. https://images.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/88fb1eb7-3c20-4237-841b-e66532248352/Patrick+Thompson%2C+Fiduciary%2C+Fee-Only+Financial+Advisor BLOG - IRMAA Brackets 2026: How Much Will You Pay for Medicare? - Hi, I’m Patrick. I'm Patrick Thompson, founder of Sentient Financial. I'm a fee-only fiduciary financial advisor based in Laguna Niguel, serving pre-retirees throughout South Orange County and virtually across the country. I work primarily with people approaching retirement, helping them coordinate their investments, income, taxes, Social Security, and Medicare so each decision works as part of a broader retirement plan. 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How High Earners Pay More for Medicare - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://sentientfinancialllc.com/blog/sequence-of-returns-risk-early-retirement monthly 0.5 2026-05-19 https://sentientfinancialllc.com/blog/retire-south-orange-county-how-much-do-you-need monthly 0.5 2026-07-12 https://images.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/1778000980477-Y5TR7G07742DP7C95MDJ/sentient_social_square.png BLOG - Is $1 Million Enough to Retire in South Orange County, California? - Make it stand out Patrick Thompson, AWMA® of Sentient Financial LLC discusses whether $1 million is enough to retire in South Orange County, California — most households need $1.5M to $2.5M in investable assets. https://sentientfinancialllc.com/blog/how-retirement-income-is-taxed-and-why-its-higher-than-you-expect monthly 0.5 2026-05-01 https://sentientfinancialllc.com/blog/retirement-withdrawal-strategy-most-people-miss monthly 0.5 2026-06-02 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/b5032d50-3e5b-40bc-bb54-fe6ef02942ec/playlist.m3u8 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/b5032d50-3e5b-40bc-bb54-fe6ef02942ec/thumbnail BLOG - When should I start Social Security? 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https://images.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/45f471c7-1939-475a-b39f-36af4514639b/RTS+E+10+thumb.png https://images.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/6a3a50e7-7ef0-4d09-b825-c3cd1fe3ed04/RTS+E+11+thumb.png https://images.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/fe7721de-f835-4fe2-9490-793f602049be/RTS+E+12+thumb.png https://sentientfinancialllc.com/retirement-transition-series/episode-1 daily 0.75 2026-05-04 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/eeba7b28-f62f-4565-b35c-39771b8797e3/playlist.m3u8 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/eeba7b28-f62f-4565-b35c-39771b8797e3/thumbnail Retirement Transition Series Episode 1 Most people are unprepared for the shift from saving to living off their portfolio. Episode 1 of the Retirement Transition Series explains what actually changes 5-10 years before retirement. https://sentientfinancialllc.com/retirement-transition-series/episode-2 daily 0.75 2026-05-04 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/33761ca2-674b-42c6-821d-cf2c8b54cb17/playlist.m3u8 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/33761ca2-674b-42c6-821d-cf2c8b54cb17/thumbnail Retirement Transition Series Episode 2 The 4% rule says $1M generates $40,000 a year. But your portfolio isn't your only income source. Episode 2 breaks down what a sustainable retirement income actually looks like. https://sentientfinancialllc.com/retirement-transition-series/episode-3 daily 0.75 2026-05-04 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/3d12fc08-a07d-44bb-839d-e359703e7aa6/playlist.m3u8 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/3d12fc08-a07d-44bb-839d-e359703e7aa6/thumbnail Retirement Transition Series Episode 3 Two retirees, same income need, very different tax bills. The only difference is which account they pulled from first. Episode 3 covers withdrawal sequencing and why the order matters. https://sentientfinancialllc.com/retirement-transition-series/episode-4 daily 0.75 2026-05-04 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/2a4f8a94-a6e4-4fa6-afa2-67be395532f1/playlist.m3u8 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/2a4f8a94-a6e4-4fa6-afa2-67be395532f1/thumbnail Retirement Transition Series Episode 4 Claiming Social Security at 62 vs 70 could mean $1,080 less per month for life. Episode 4 breaks down how to run the actual numbers based on your health, marriage, and tax situation. https://sentientfinancialllc.com/retirement-transition-series/episode-5 daily 0.75 2026-07-08 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/21b97de0-99f8-429d-9d98-5a22f5f21a2c/playlist.m3u8 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/21b97de0-99f8-429d-9d98-5a22f5f21a2c/thumbnail Retirement Transition Series Episode 5 Many professionals assume taxes drop in retirement. Often they don't. Episode 5 explains how IRA withdrawals, capital gains, Roth accounts, and Social Security interact to create your real tax bill. https://sentientfinancialllc.com/retirement-transition-series/episode-6 daily 0.75 2026-05-04 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/eae8b785-97c1-49c3-978b-ea112c5b14b3/playlist.m3u8 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/eae8b785-97c1-49c3-978b-ea112c5b14b3/thumbnail Retirement Transition Series Episode 6 When income temporarily drops before retirement, a low-tax window opens. Episode 6 explains how to use Roth conversions during that window to set up a more tax-efficient retirement. https://sentientfinancialllc.com/retirement-transition-series/episode-7 daily 0.75 2026-05-04 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/f669fc51-e69d-477e-a46f-29e0b61d99ea/playlist.m3u8 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/f669fc51-e69d-477e-a46f-29e0b61d99ea/thumbnail Retirement Transition Series Episode 7 Two retirees, same portfolio, same average return. One runs out of money. Episode 7 explains sequence of returns risk and why early retirement market timing can be permanently damaging. https://sentientfinancialllc.com/retirement-transition-series/episode-8 daily 0.75 2026-05-04 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/0cefc305-b6a8-4782-9a9c-e11112839450/playlist.m3u8 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/0cefc305-b6a8-4782-9a9c-e11112839450/thumbnail Retirement Transition Series Episode 8 Volatility is your friend during accumulation. It works against you once you're withdrawing. Episode 8 explains how portfolio structure should shift in the years before retirement and why income segmentation matters. https://sentientfinancialllc.com/retirement-transition-series/episode-9 daily 0.75 2026-05-04 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/763d584c-fa30-4ea4-ab09-5238f4e4243a/playlist.m3u8 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/763d584c-fa30-4ea4-ab09-5238f4e4243a/thumbnail Retirement Transition Series Episode 9 Claiming Social Security too early. Ignoring deferred taxes. Confusing a portfolio balance with guaranteed income. Episode 9 covers the five mistakes most common in the decade before retirement. https://sentientfinancialllc.com/retirement-transition-series/episode-10 daily 0.75 2026-05-04 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/43f9eabd-20bb-4f55-9c0e-1431238553b4/playlist.m3u8 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/43f9eabd-20bb-4f55-9c0e-1431238553b4/thumbnail Retirement Transition Series Episode 10 A couple, both 62, retiring at 65 with $1.8M and a $100,000 income need. Episode 10 walks through how income sources, withdrawal sequencing, tax strategy, and portfolio structure come together into one coordinated plan. https://sentientfinancialllc.com/retirement-transition-series/episode-11 daily 0.75 2026-05-04 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/dc1288a3-c2a6-4f99-8323-2548f35d7e79/playlist.m3u8 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/dc1288a3-c2a6-4f99-8323-2548f35d7e79/thumbnail Retirement Transition Series Episode 11 The answer rarely comes from hitting a specific number. Episode 11 walks through how to compare expected spending to expected income across every source, and what to do if there's still a gap. https://sentientfinancialllc.com/retirement-transition-series/episode-12 daily 0.75 2026-05-04 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/80184c86-bccd-4a5b-9303-d5f3e050fe0b/playlist.m3u8 https://video.squarespace-cdn.com/content/v1/68a3c51002734f28cf2ceed0/80184c86-bccd-4a5b-9303-d5f3e050fe0b/thumbnail Retirement Transition Series Episode 12 Year one involves your first portfolio withdrawal, a potential Roth conversion window, a healthcare gap if you're under 65, and a portfolio review. 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