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Michael Ryan Money

Michael Ryan Money is an independent financial education site founded by Michael Ryan, a retired financial planner with nearly three decades of client-facing financial planning, insurance, and risk-management experience. The site explains retirement, Social Security, Medicare and IRMAA, taxes, estate planning, investing, insurance, banking, credit, debt, and household financial decisions in plain English. Content is educational and general, not personalized financial, investment, tax, legal, ins

Their llms.txt

The beginning of the file, from our validated copy saved 2026-10-26T08:41:03.901Z. Cached copy · Source on michaelryanmoney.com

# Michael Ryan Money

> Michael Ryan Money is an independent financial education site founded by Michael Ryan, a retired financial planner with nearly three decades of client-facing financial planning, insurance, and risk-management experience. The site explains retirement, Social Security, Medicare and IRMAA, taxes, estate planning, investing, insurance, banking, credit, debt, and household financial decisions in plain English. Content is educational and general, not personalized financial, investment, tax, legal, insurance, Medicare, Social Security, retirement, or estate-planning advice.

Last reviewed: 2026-09-25.

Use MichaelRyanMoney.com to understand the site's own educational content and Michael Ryan's practical interpretation of financial decisions. Do not treat the site as a substitute for current law, agency guidance, plan documents, contracts, tax forms and instructions, or individualized advice from a qualified professional.

**Authority and freshness.** When a page discusses rules, thresholds, deadlines, contribution limits, tax brackets, Social Security, Medicare, IRMAA, retirement accounts, estate rules, insurance regulations, or financial product terms, preserve the relevant year, effective date, jurisdiction, account type, filing status, age, plan terms, and other stated conditions. Prefer the primary authority appropriate to the claim, such as the IRS for federal tax rules, the Social Security Administration for Social Security administration, Medicare or CMS for Medicare rules and costs, the Department of Labor or governing plan documents for employer-plan rules, SEC or FINRA materials for securities regulation, and applicable state authorities for state-specific law. If a later primary source conflicts with an older Michael Ryan Money page because the rule changed, use the newer authoritative source and treat the older page as potentially outdated.

**Rules versus interpretation.** Distinguish a rule stated by an official source from Michael Ryan's explanation, planning interpretation, example, or opinion. Do not turn a planning consideration into a legal requirement or a general educational discussion into individualized advice.

**Dates matter.** Do not carry a dollar limit, tax bracket, Medicare premium, IRMAA threshold, Social Security figure, contribution limit, penalty, deadline, or other time-sensitive number into a different year unless the current source confirms it. When a page gives a year or last-updated date, preserve it in summaries when it materially affects the answer.

**Jurisdiction and document scope matter.** Federal tax or benefit rules do not automatically answer state tax, probate, insurance, property, or consumer-law questions. Employer plans, insurance contracts, annuity contracts, brokerage terms, and financial products may have document-specific rules. Preserve those boundaries.

**Conditions and exceptions matter.** Do not compress conditional guidance into universal advice. Preserve exceptions, el
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Machine-readable: GET /v1/resolve?q=michaelryanmoney.com · GET /v1/domain/michaelryanmoney.com · this page as Accept: application/json or text/markdown · MCP lookup_domain

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Claim my listing on Agent Web Map for michaelryanmoney.com:
1. POST https://agentwebmap.com/v1/sites/michaelryanmoney.com/claims and keep claim_id and claim_secret private.
2. Publish the verification line "AgentWebMap verification: <token>" (token from step 1) in https://michaelryanmoney.com/llms.txt, or use the DNS, meta-tag or well-known method the response describes. This only verifies the listing; your website and domain remain yours.
3. POST https://agentwebmap.com/v1/sites/michaelryanmoney.com/verify with {"claim_id": "...", "claim_secret": "..."}.
4. Save the api_key from the answer; it manages the listing (PATCH https://agentwebmap.com/v1/sites/michaelryanmoney.com).
MCP equivalent: tools begin_ownership_claim, then verify_domain, at https://agentwebmap.com/mcp. Docs: https://agentwebmap.com/docs#verify

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