For the 4 million Americans turning 65 every year
The Peak 65 Playbook
A step-by-step system for Social Security, Medicare, Roth conversions, and spending your savings without running out.
Retirement is an engineering problem: income, uncertainty, and time. This book solves it the way an engineer would — with decision trees, tables, worked examples, and an annual maintenance checklist. No hype. No 400 pages of filler. Just the system.
Get it on Amazon →Paperback & Kindle · 2026 Edition · By Robert Eisenlohr, quantitative researcher & developer
The decisions this book makes easy
Claim at 62, 67, or 70?
The real math of early vs. delayed claiming — reduction percentages, break-even ages, longevity odds, and a decision tree that ends the argument.
The Medicare handoff
Enrollment windows, late penalties that last for life, Medigap vs. Advantage, and the IRMAA income cliffs — on one timeline.
Which account do I spend first?
Withdrawal order, bracket-filling, and the Roth conversion window between retirement and RMDs — with worked numbers.
Will my money last?
Sequence-of-returns risk explained with two retirees who earned the same return and got opposite outcomes — and the guardrail systems that survive it.
Couples & survivors
Why the higher earner's delay is really life insurance, survivor sequencing, the widow's tax penalty, and divorced-spouse rules.
Defense
The current fraud playbook targeting retirees, how to verify any advisor in five minutes, and the long-term-care numbers nobody quotes you.
Inside the system
- Part I — The Dashboard: the five numbers that run your retirement; your income floor and upside
- Part II — Guaranteed Income: how Social Security actually works; the claiming decision; couples, survivors & exes; the Medicare handoff; the bridge years before 65
- Part III — The Drawdown System: sequence risk; withdrawal systems that survive reality; the retiree tax playbook; Roth conversion windows; RMDs & QCDs; buying an income floor
- Part IV — Defense & Operations: protecting the fortress; the annual operating system (with a calendar you'll actually use)
- Appendices: worksheets, every 2026 number in one place, glossary, sources
Written by an engineer who builds risk systems for banks
Robert Eisenlohr is a quantitative researcher and developer with 23+ years of professional engineering behind him. He holds two engineering degrees and MBA coursework in Finance and Corporate Law, and earlier in his career — while working at a proprietary trading firm — he held the FINRA Series 57 (Securities Trader) registration. He has spent his career building portfolio-analysis and risk systems used inside a Tier-1 global bank, across equities, options, currencies, and futures.
The Peak 65 Playbook applies that discipline to the one portfolio that matters most: yours. Every rule in this book is sourced, every number dated, and every chapter ends in a checklist — because a retirement plan you can't operate isn't a plan.
Get the book
Available on Amazon in paperback and Kindle. Paperback ISBN 979-8-187806-47-8.
Buy on Amazon →This book is general educational information — not financial, investment, tax, accounting, or legal advice, and not a recommendation. The author is not an attorney, CPA, or licensed financial advisor. Consult your own licensed professionals before acting.