MASON PARKER HANDBOOK
The Senior
Money Defence
7 Rules Your Bank, the IRS, and the SSA Never Explained
Most seniors find out about these rules after the damage is done. This guide delivers all seven in plain English — with the exact forms, deadlines, and phone numbers — before it costs you.
Plain English Financial Protection for Americans 65 and Older
$37.99
Instant PDF Download. Secure Checkout
55
PAGES
7
SECTIONS
15
CHAPTERS
If You're 65 or Older, At Least
One of These Is Happening to You Right Now.
✗ Your Social Security check is SMALLER than what the SSA is required to pay you — and nobody told you why
✗ Your bank now has legal authority to freeze your own money for 15 business days — without warning, without explanation
✗ Medicare is charging you a surcharge based on income you stopped earning 2 years ago — and one form fixes it
✗ More than $250,000 of your savings may be sitting UNINSURED right now and you've never checked
✗ Your adult child's name on your bank account could hand your savings to their creditor, their ex-spouse, or the IRS
✗ The $10,000 bank rule most people try to "work around" is a federal felony, and the law doesn't require you to know that to prosecute you
None of this is your fault. Nobody sat you down and explained it.
That's exactly what this guide does.
What's inside
7 Defense Strategies. 15 Chapters. Every Form. Every Phone Number. Every Deadline.
BANK ACCOUNT SAFETY
3 Chapters
The $10,000 report most seniors fear, the federal crime hidden in plain sight, and the 4 ways your child's name on your account can silently destroy your retirement.
ACCOUNT PROTECTION
2 Chapters
The $250,000 insurance line most seniors have never checked, and the new 2026 rule that lets banks freeze your own money for 15 business days without warning.
TAX TRAPS AND OPTIMIZATION
4 Chapters
Whether your Social Security is even taxable, how to stop overpaying the IRS every month, the $6,000 deduction most preparers missed, and one move that reduces your tax before it is even calculated.
INHERITED MONEY TRAPS
1 Chapter
The inherited IRA check that created a $68,000 tax bill — and the repair window most CPAs do not know exists.
MEDICARE PROTECTION
2 Chapters
How to stop paying a Medicare surcharge based on income you no longer earn, and the $2,100 drug cap that could mean zero cost prescriptions for the rest of your year.
SOCIAL SECURITY MONEY OWED
2 Chapters
Who still has not received their Fairness Act back payment, why widows must file a new application, and how to find and fix the earnings record errors quietly reducing your monthly check.
MASTER REFERENCE
1 Chapter + Checklist
Every form, every phone number, every website, every deadline — in one printable page. Plus the annual financial audit checklist to keep every protection layer active.
Answers before you buy.
This guide is educational information written in plain English to help you understand how existing rules work. It is not personalized legal or financial advice. For decisions specific to your situation, consult a qualified professional.
The guide is a PDF that works on any phone, tablet, or computer. If you can read an email, you can read this guide. It's also print-friendly if you prefer a physical copy.
Yes. Sections on bank safety, FDIC coverage, joint accounts, inherited IRAs, and Medicare apply to anyone 65 or older regardless of Social Security status.
The rules in this guide are real and public. What's different is that they're organized, cross-referenced, and explained in context — with the specific forms, phone numbers, and deadlines in one place. Most people who lose money to these situations knew the rules existed. They just didn't have the complete picture.