Pay less tax. Spend more on life.
Get the guideWho’s behind this
Josh Rendler, CFP® professional
The certification carries a fiduciary standard. The advice I give has to be in your interest, not mine.
Partner at Define Financial
A registered investment adviser. Motion Retirement is the education. Define is where I help clients who want a team of professionals on their side.
More than 500 retirees
Guided into and through retirement. Most of what I publish started as a question one of them asked me first.
1.4M+ views on YouTube
Every video is a deep dive into the most important retirement topics I see every day with clients.
Why this exists
Most retirement advice isn’t written for you.
It’s built for a different balance sheet, or it’s a sales pitch dressed up as education. Either way, the part that actually moves what you pay and what you get to spend is the part that goes missing.
So I started putting the real work out in the open. The same planning I do for families at Define Financial, in plain English, with the actual numbers on the screen. You can use it whether we ever talk or not.
What actually happens
One decision. Six systems that react to it.
Make one move. A withdrawal, a conversion, a gift. Two numbers shift, and those two quietly run six different parts of your bill.
Articles
Latest articles
The ACA Subsidy Cliff Is Back for 2026
The premium tax credit cap at 400 percent of the poverty line was suspended through 2025 and is in force again for 2026. What changes before Medicare.
What Happens to an HSA at 65
The penalty stops, contributions must stop, and the account starts behaving like a traditional IRA. What the statute says about an HSA in retirement.
Spending Guardrails and the 4% Rule
Where the 4 percent figure came from, what guardrails change about it, and why the planning profession is split on whether they cut spending too soon.
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The guide
Get the Ultimate Retirement Guide
Every number that quietly moves your tax bill, in one place.
Work together
When reading about it is not quite enough.
If you’ve built something worth protecting, you shouldn’t have to manage it alone.
See if it’s a fitDefine Financial is a separate registered investment adviser. Motion Retirement does not provide advisory services.