The Retirement Money Audit

A 31-page self-audit drawn from fifty years of family wealth counseling.

Twelve questions. Twelve decisions. Each one quietly costs American families between $40,000 and $200,000 when answered wrongly — or not at all. This audit shows you what each question really costs, walks through a real case study of a family who faced it, and tells you exactly what was at stake in dollars.

What's inside:

The 12 decisions every retiree must get right —

- Social Security claiming age and spousal claim order

- Roth conversions during the 5-year window before RMDs begin

- Bracket-fill calculation on year-end conversions

- Medicare's 7-month enrollment trap

- The 7 estate documents every family needs notarized

- The widow's tax penalty (and how to plan for it before it arrives)

- Annuity contract audit and the 5 exits most agents won't mention

- RMDs, missed-deadline penalties, and the QCD strategy

- IRMAA brackets and the 2-year lookback that catches retirees by surprise

- Beneficiary form audit — the form that overrides your will

What's in each chapter:

The question itself. The dollar cost of getting it wrong. A real case study with names, ages, states, and the exact dollars saved. The framework rule. And which chapter of Rabbi Mizrahi's full Library covers the complete strategy if you want to go deeper.

What this is not:

This audit is not personalized financial advice. It is the same self-check the Rabbi hands every family that walks into his study before any deeper planning begins. Use it to find the questions that stop you. Those are where the money is hiding.

Free. Instant download. Yours forever. No subscription. No email funnel.

Updated for SECURE Act 2.0 and the 2025 tax year.

Rabbi Mizrahi has spent fifty years counseling families on retirement. The Library exists because the wealthy already know what most American families were never told.