Raymond Yau, MBA, M.Ed. FINRA BrokerCheck logo CRD# 7802363
Fiduciary Financial Planner
Retired U.S. Navy Commander
Forthright Capital Partners
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📚 Trusted Resources

Retirement Resources

Rules, deadlines, tools, and trusted research — organized in one place. All links point to official government sites, accredited research institutions, and consumer protection agencies.

Section A
Official Requirements & Enrollment
SSA
Social Security Administration
Plan for retirement with SSA — check eligibility, estimate benefits, and understand when to claim Social Security.
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MCR
Medicare
Get started with Medicare — learn about enrollment basics, coverage options, and important deadlines.
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USA
USA.gov
The federal government's hub for approaching retirement — covering benefits, health care, and financial planning basics.
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Section B
Tax Rules & Distributions
IRS
IRS — Required Minimum Distributions
Understand RMD rules, deadlines, and penalties. Essential reading for anyone with tax-deferred retirement accounts.
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SEC
Investor.gov — RMD Calculator
Use the SEC's free calculator to estimate your required minimum distribution amount based on your account balance and age.
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Section C
Planning Tools & Calculators
DOL
U.S. Department of Labor — Retirement Toolkit
EBSA's comprehensive toolkit for retirement savings, with checklists, worksheets, and educational publications.
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SEC
Investor.gov — Financial Planning Tools
Free calculators and tools from the SEC covering compound interest, savings goals, Social Security, and more.
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CFPB
CFPB — Planning for Retirement
Consumer education from the Consumer Financial Protection Bureau — claiming decisions, income planning, and avoiding common mistakes.
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Section D
Research & Retirement Trends
EBRI
Employee Benefit Research Institute
Independent, nonpartisan research on retirement security, health benefits, and economic trends affecting American workers.
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HRS
Health and Retirement Study
Landmark longitudinal study from the University of Michigan — tracking health, finances, and retirement patterns of Americans over 50.
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Section E
Consumer Protection & Scam Prevention
FDIC
FDIC — Money Smart for Older Adults
Educational program to help older adults and caregivers prevent financial exploitation and make sound money decisions.
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PRC
Pension Rights Center
Nonprofit consumer advocacy for retirement security — free counseling, legal resources, and pension protection information.
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Educational links provided for general information only. No individualized investment, tax, or legal advice.

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Investment advisory services are offered through properly registered representatives of Forthright Capital Advisory, LLC dba Forthright Capital Advisory. The firm only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the commission and does not mean that the advisor has attained a specific level of skill or ability. Insurance products are offered through Forthright Capital Partners, LLC. Forthright Capital Advisory LLC and Forthright Capital Partners LLC are separate entities that offer separate services.

All investment strategies have the potential for profit or loss. Changes in investment strategies, economic conditions, contributions or withdrawals may significantly alter a portfolio's performance. There is no guarantee that any specific investment or strategy will be suitable or profitable for a particular client. Past performance is no guarantee of future success. We cannot guarantee that a portfolio will match or outperform any particular benchmark. Diversification and asset allocation do not ensure a profit or guarantee against loss. None of the content should be viewed as an offer to buy or sell, or as a solicitation of an offer to buy or sell the securities discussed.

We do not offer tax or legal advice or services. Always consult with your own qualified tax/legal advisors. Life insurance involves medical and sometimes financial underwriting to qualify.

Information on this website does not involve the rendering of personalized investment advice but is limited to the dissemination of general information on products and services. A professional adviser should be consulted before implementing any of the options presented.

Forthright Capital Partners, LLC, headquarters: 7251 West Lake Mead Blvd, Suite 300, Las Vegas, NV 89128. Phone: 725-712-3033