Turning 65 is an important milestone, but it doesn’t necessarily mean it’s time to retire. This is the year when several important healthcare and financial decisions come together, and the right choices will depend on your individual situation.

If you’re still working and have qualifying employer healthcare coverage, you’ll need to determine whether enrolling in Medicare now or delaying some parts of Medicare makes sense. If you decide to retire, another major decision is whether to begin Social Security or delay benefits until your Full Retirement Age—or beyond. This is also the time to put the healthcare and retirement protection strategies you’ve been preparing into action.

Focus on: Medicare enrollment & timing • employer healthcare • Medicare Supplement vs. Medicare Advantage • prescription coverage • Social Security timing • retirement income & protection • healthcare for your spouse • long-term care • estate & beneficiary review

Goal: Make confident decisions based on your life—not simply because you turned 65. Understand your options, coordinate your healthcare and retirement decisions, and put the pieces together to support the next chapter on your terms.