Ryan Moore

Ryan Moore is president of TBS Retirement Planning (Total Benefit Services, Inc.), an independent retirement planning firm founded in Lubbock in 1982 and serving North Texas from Bedford since 2010. He has worked in financial services since 2008.

Every week on Moore Money, Ryan answers listener questions about retirement income, taxes, Social Security, Medicare and leaving money to family. The calculators on this site and the full Retirement Check grew out of those questions: they run the same kind of numbers his team reviews in a first meeting, so you can see where you stand on your own time.

How the numbers are kept honest

• Every tax and benefit figure comes from the official source (IRS, Social Security Administration, CMS) and is cited on the page that uses it.
• The math is shared between the calculators and the full Retirement Check, and is checked by automated tests against worked IRS examples.
• Results are estimates, labeled as hypothetical, with the assumptions shown.
• Pages are reviewed when rules change. Last review: October 2026.

Listen to Moore Money

retirewithmoore.com · Apple Podcasts · Spotify

TBS Retirement Planning

1600 Airport Fwy, Suite 205, Bedford, TX 76022 · (817) 786-1010 · [email protected] · Monday to Friday, 9 to 5 · tbsplanning.com

Investment advisory services offered through Brookstone Wealth Advisors, LLC (BWA), a registered investment advisor. BWA and Brookstone Capital Management, LLC are affiliated companies. BWA and Total Benefit Services, Inc. are independent of each other. Insurance products and services are not offered through BWA but are offered and sold through individually licensed and appointed agents.