401(k) to IRA Rollover Mistakes
A rollover may seem straightforward, but a few missteps can have costly consequences for your retirement savings.
money.usnews.com
Oct 05 2026
Showing 50 results of 505
16 Roth IRA and Roth Conversion Mistakes That Cost You in Taxes
A Roth conversion can raise your Medicare premiums two years later. Every mistake on this list comes with a solution. The post 16 Roth IRA and Roth Conversion Mistakes That Cost You in Taxes appeared ...
boldin.com
Sep 10 2026
Advisors rethink Roth IRA conversions after the OBBBA
The 2025 tax law changed the factors involved in the decision to convert a traditional IRA to a Roth.
financial-planning.com
Aug 30 2026
Maximize tax-free Social Security income with this IRA withdrawal strategy
As clients consider when to claim Social Security, an advisor proposed a strategy to maximize tax-free retirement income using certain benefits and senior deductions.
financial-planning.com
Aug 26 2026
Why the Front Door Is Locked: The Origins of the Backdoor Roth IRA
Here's a little history on the Roth IRA, when the backdoor was left open for high earners, and why the government allows us to do this. The post Why the Front Door Is Locked: The Origins of the Backdo...
whitecoatinvestor.com
Aug 26 2026
Average IRA Balances In 2026 And How To Measure Progress
How does your IRA compare? Discover the average and median Traditional and Roth IRA balances by age in 2026, 2026 contribution limits, and key catch-up strategies.
forbes.com
Aug 23 2026
Your Big IRA Could Become a Big Tax Problem for You, Your Spouse and Your Heirs
If you start optimizing your taxes now, you can head off the inevitable tax consequences waiting for you when RMDs kick in — and when your family inherits.
kiplinger.com
Aug 22 2026
The Hidden Costs Inside a 'Zero-Fee' IRA
Six ways "free" retirement accounts can cost you without showing it — and how to keep more of your money.
kiplinger.com
Aug 21 2026
The 'Mega IRA' Cap Is Back: What High Earners Should Watch in 2026
New rules could force high-income savers to withdraw "excess" retirement funds. Here is why the bill matters — even if it doesn't pass immediately.
kiplinger.com
Aug 11 2026
From Stepped-Up Basis to IRA Rules: How Your Inheritance Actually Gets Taxed
Most inheritances won’t trigger a federal income tax bill. But what you inherit and what happens afterward mean other tax rules could come into play.
kiplinger.com
Aug 05 2026
Why a Down Market is the Best Time for a Roth IRA Conversion
Plunging stock prices may keep investors up at night. But there's a silver lining to a down market: it's a prime time to save taxes on a Roth IRA conversion.
kiplinger.com
Aug 04 2026
Can I Open a Roth IRA for My Child? What Parents Should Know
A custodial Roth IRA lets parents help a child with earned income start building long-term wealth. By starting early, children gain decades of potential tax-free growth while learning the value of sav...
401kmaneuver.com
Jul 28 2026
Should A Living Trust Be Beneficiary Of Your IRA?
It usually is not a good idea to name a trust as an IRA beneficiary, because heirs often are penalized with higher taxes. There are a few exceptions to the general rule.
forbes.com
Jul 27 2026
I Have a Sizable Roth IRA. Do I Still Need a 529 for My Grandkids' College?
Before you touch your retirement fund, consider how taxes and financial aid rules change the math. In this week's Wealth Wise column, we break down the right choice.
kiplinger.com
Jul 19 2026
Taking an IRA distribution this year - is my logic sound?
We are still working - planning to retire very early next year. I'm at FRA; my husband will be in a couple of months. We are not yet taking SS or Medicare. With our income, we will certainly hit the I...
reddit.com
Jul 18 2026
When a checkbook IRA is a good idea — and when it's not
Although there are advisors who suggest steering clear, there are times when clients might benefit from using a checkbook IRA to invest in alternative assets.
financial-planning.com
Jul 10 2026
Average IRA Balance by Age in 2026: How Do You Compare?
See average IRA balances by age for 2026, based on IRS tax data covering 71 million account holders, plus what the averages leave out. The post Average IRA Balance by Age in 2026: How Do You Compare? ...
boldin.com
Jul 09 2026
Beyond SSI/SSDI: How To Get The “Chronically Ill” Lifetime IRA Stretch
How families can preserve valuable inherited IRA stretch treatment for a child or grandchild who needs support but doesn’t qualify for SSI or SSDI.
forbes.com
Jul 08 2026
Recently retired contemplating rolling my 401k into rollover IRA/Roth IRA
I am thinking of rolling my 401K which has a mix of mostly Roth and the company match in pre-tax into my existing Rollover IRA and Roth IRA. It seems like it will be simpler to manage and I will be ab...
reddit.com
Jun 23 2026
Pension plus Part Time Income. Extra money into brokerage or IRA?
I retired from full time work with a pension that pays most of my expenses, including healthcare. I also have some part time work. If I have extra money at the end of the year from this work, should I...
reddit.com
Jun 23 2026
How Auto-IRA Programs and the Saver’s Match Could Be Retirement Game Changers
At both the federal and state levels, efforts are underway to give workers a retirement savings boost.
kiplinger.com
Jun 21 2026
How Roth Conversions Can Help Your Family Avoid an IRA Tax Trap After You're Gone
Your spouse and children could be bumped into higher tax brackets if you leave them a substantial sum in an IRA. Partial Roth conversions now can help.
kiplinger.com
Jun 15 2026
When Should You Make a Roth IRA Withdrawal?, Ep #259
When it comes to retirement savings, Roth IRAs are among the most powerful tools for achieving tax diversification and financial flexibility. Knowing how and when to tap into your Roth IRA can make a ...
financialsymmetry.libsyn.com
Jun 11 2026
Americans Need Help Saving for Retirement: Will the New IRA Program (and a $1,000 Contribution) Be Enough?
A new IRA marketplace will have the goal of encouraging more Americans to save for retirement, as well as offering a $1,000 contribution to those who enroll.
kiplinger.com
May 31 2026
7 Times to Dip Into Your Roth IRA if You Have a Pension (and When to Leave It Alone)
The established wisdom is never to touch your Roth IRA, but if it contains a large sum and you have a pension, too, here's when you should tap into it first.
kiplinger.com
May 27 2026
Roth IRA vs. Traditional IRA: Which is Better for Retirement Savings? - 558
McDreamy Dempsey wants to know if converting to Roth in the 37% tax bracket ever makes sense, and Gary in La Crosse warns Joe Anderson, CFP® and Big Al Clopine, CPA about Roth conversion "lag" and whe...
purefinancial.com
May 26 2026
UGMA, 529, HSA, RMD, and Inherited IRA Tax Bombs Defused - 557
Joe Anderson, CFP® and Big Al Clopine, CPA are defusing some confusing tax time bombs today on Your Money, Your Wealth® podcast number 557. George in Torrance wants to know the smartest way to deal wi...
purefinancial.com
May 26 2026
Certified Professional Planner for IRA RMD?
I am 73 years old and have to withdraw the required RMD from my mutual fund IRA which is a fairly substantial amount. Can I hire a Certified Financial Planner to handle my RMD (i.e., Roth IRA, etc.) a...
community.aarp.org
May 25 2026
Certified Profeesional Planner for IRA RMD?
I am 73 years old and have to withdraw the required RMD from my mutual fund IRA which is a fairly substantial amount. Can I hire a Certified Financial Planner to handle my RMD (i.e., Roth IRA, etc.) a...
community.aarp.org
May 24 2026
Want to Move 529 Account Money to a Roth IRA? There’s a Hitch.
A law requires the rollover money to have been in the 529 for at least 15 years. But it isn’t clear what happens if you change the account’s beneficiary.
nytimes.com
May 22 2026
Is Your 401(k) Rollover Truly Protected in an IRA? Take Our Quiz
Take our 10-question quiz see if your hard-earned nest egg is truly protected from hidden liabilities, or if you are exposed to unexpected risks.
kiplinger.com
May 20 2026
The $9 Trillion Shift: Why Your Retirement is Less Safe in an IRA and How to Protect It
IRAs now hold a $9 trillion surplus over 401(k)s, largely due to rollovers. Learn how to secure your retirement savings against legal risks and hidden fees.
kiplinger.com
May 15 2026
Tending to Your Estate Plan This Spring? Don't Forget to Give Your IRA Some Love
IRAs form an important part of your estate plan. Give yours some attention so they work in harmony and ensure your wishes will be carried out as you intend.
kiplinger.com
May 07 2026
Roth IRA contributions question
I left my job in 2025 but contributed to my Roth IRA because I was still working in that year. This year, I started working as a W-2 contractor for my former company through a contracting company. I t...
reddit.com
Apr 30 2026
How to Open a Custodial Roth IRA: A Guide for Grandparents
Time is a young investor’s greatest asset. Discover how small contributions today can evolve into a tax-free fortune by the time they retire.
kiplinger.com
Apr 29 2026
5 New 401(k) and IRA Rules for 2017
Investors with slightly higher incomes will quality for retirement savings tax breaks next year.
money.usnews.com
Apr 26 2026
Roth IRA Conversion? Yes or No?
I just turned 65 so I will not have to start taking RMDs until I'm 75. Since IRMAA is based on income from 2 years prior, that means I won't get hit with IRMAA until I'm 77 (2 years after my RMDs star...
reddit.com
Apr 08 2026
7 Assets to Leave Out of Your Roth IRA, From a Financial Planner
Instead of treating your Roth IRA as "the best account" for everything, consider keeping these seven assets in accounts with better tax benefits or flexibility.
kiplinger.com
Apr 06 2026
Listener Questions: Should I Move My 401K into an IRA When I Retire?
Explore how meaningful travel experiences, storytelling, and thoughtful planning can enhance your retirement journey. In this episode, Roger answers listener questions on managing retirement accounts,...
share.transistor.fm
Apr 01 2026
Is Your IRA Rollover Stuck in Neutral? This Simple Mistake Can Cost You a Lot of Money
Rollover IRAs can end up stuck in cash, while abandoned 401(k)s can be parked in a cash-like Safe Harbor IRA. Here's how to put your money back to work.
kiplinger.com
Mar 28 2026
556: By the Numbers: Could the Government Tax Your Roth IRA in the Future? What if Congress Changes the Rules?
If you convert to a Roth today, could Congress change the rules tomorrow — and should that fear stop you from taking action? In this episode, you'll learn: The truth about retroactive Roth taxation Wh...
howardbailey.com
Mar 27 2026
Solo 401(k) vs. SEP-IRA for Physicians (2026): Which Wins for Your Income Level?
If you’re earning 1099 income, you likely aren’t spoiled for choice in the retirement savings department. When it comes to ... Read more
physicianonfire.com
Mar 17 2026
How Alternative Assets Are Reshaping the IRA: The Rise of Self-Directed Retirement Investing
Investors are exploring self-directed IRAs where they can hold traditional and alternative investments in one account.
kiplinger.com
Mar 12 2026
Safe or Seizable?: The IRA & Bankruptcy Protection Quiz
Depending on the type of IRA you own and/or how you inherited it, your "safe" money might actually be on the table for creditors.
kiplinger.com
Mar 03 2026
Is a Roth IRA or 401k worth it at this point?
I’m likely to retire in the next 2 years at or near full retirement age. I first opened a Roth IRA with a small amount ($1,000) in 2023 to start the 5-year clock, so I was really late to the party. I’...
reddit.com
Mar 01 2026
Are All Roth IRA's the same, never had one figure it may be time.
Looking to start a Roth IRA by April 1 so I can get a start on the 5 year rule, I have 401K plans but will need some roth if I have any chance of ever getting under the 400% magi in 4 years, where sho...
reddit.com
Feb 28 2026
The Best Time to Invest Your IRA (It’s Not April)
Over the past 150 years, the U.S. stock market (including dividends) has ended the year positively roughly 75% of the years, according to many studies, including one by Visual Capitalist. So if you ...
retirebeforedad.com
Feb 26 2026
“Optimizing” the Roth IRA
One thing I’ve learned from 30 years of investing and DIY money management is that there is always another way — and often the other way is more “optimized” than the current way. I put optimized in qu...
retirebeforedad.com
Jan 15 2026
First time IRA withdraw this month
I have been retired 1 year. I made about 50k managing my fidelity IRA and overall made around 10%. My plan was to take 4% a year or 20k so that tracks. I keep 6 months of bills in savings currently an...
reddit.com
Jan 08 2026
What Happens To Your IRA If An Ex-Spouse Is Listed As The Beneficiary
Your beneficiary designation will often control where your IRA goes once you pass away. Make sure you don't leave unintended people on the account like an ex-spouse.
forbes.com
Dec 19 2025