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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...
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...
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.
? Show Notes In this Thanksgiving Eve episode, Roger Whitney encourages listeners to carry gratitude into everyday life, emphasizing the value of recognizing specific moments and taking “mental snapsh...
Updated: November 2025 According to the IRS (Notice 2025-67, released November 13, 2025), the 401(k) contribution limit will rise to $24,500 for 2026, up $1,000 from 2025, while the IRA contribution l...
The IRS just announced the official 2026 contribution limits for 401(k)s, 403(b)s, IRAs, Roth IRAs, SIMPLE plans, and catch-up contributions, and there are some meaningful increases you don’t wa...
The IRS has announced the cost‑of‑living adjustments for pension plans and other retirement-related items for tax year 2026....
Dan asks: If monthly income from an IRA exceeds $2,908 for a single person, would that result in disqualification for Medicaid? We break down the income limits, potential strategies to navigate Medica...
In this episode, we tackle Richard's question about why it might make sense to use IRA (non-Roth) accounts first to pay for long-term care expenses. We'll explain the reasoning behind this strategy, i...
John asks if taking larger IRA withdrawals beyond his RMD to fund his daughter's Roth IRA makes sense as a strategy to reduce future RMDs, lower estate taxes, and pass on tax-free assets. Although thi...
The Stretch IRA used to be much more generous for those receiving an inherited IRA. Here's what a Stretch IRA is and how to plan for it. The post What Is a Stretch IRA? appeared first on The White Coa...
John asks if taking larger IRA withdrawals beyond his RMD to fund his daughter’s Roth IRA makes sense as a strategy to reduce future RMDs, lower estate taxes, and pass on tax-free assets. Althou...
I'm 65, planning on retiring in January, widowed, no kids. My house is paid off, everything else is paid off, about 400K in a 457. My car is 13 years old and I know I will need another eventually. I w...
Conventional wisdom dictates that you save in a 401(k) now and pay taxes later, but turning that rule on its head could leave you far better off. A financial planner explains why....
For a number of reasons, my Partner and I do not qualify for a Health Savings Account (HSA). So, I decided to tun one of our Roth IRA Account’s into an HSA. Inside the Roth IRA/ HAS I only inves...
This is a small pension that my wife has from a previous job. Papera came in last week...take a lump sum rollover of $21,500 or wait until she is 65 (2033) and take the $274 per month until she has pa...
Could you save a small fortune in taxes… by converting your traditional IRA or 401K into a Roth? Find out on this special edition of Retirement Solutions Radio, “Does Converting…...
FROM THE ARTICLE. By David John, AARP Public Policy Institute. Published September 26, 2025. About half of private sector workers, many of whom work for smaller employers, lack access to payroll deduc...
Is a Roth IRA really better than a traditional IRA? The truth is... it depends on your tax situation. In this video, you’ll learn why your current tax bracket versus your retirement tax bracket ...
Have you been a good saver? Is a big part of your retirement savings in an IRA or 401K? Saving money in one of these tax-deferred retirement accounts seems like…...
An in-depth look at the hidden costs of IRMAA, Medicare, their related Surcharges, and how you may not be as prepared for retirement as you think you are....
My financial advisor runs an annual cash flow plan to see how ready I am for retirement. I am 65. I currently work full time and will continue to do so until I am 70 when I will draw Social Security. ...
In this week's Ask the Editor Q&A, we answer four questions from readers on transferring 529 plan money to a Roth IRA....
Consider the following scenario: You’ve carefully selected private equity investments for your IRA, excited about the potential for tax-advantaged growth. ... Read more...
I am hoping to buy a lakefront property for a retirement home. I am 63 and plan on working another 5 years. My current home is paid off and I would sell it once I retire. For the retirement property I...
One Big Beautiful Bill is now law. How does it impact your Roth conversion strategies and other financial decisions? Plus, you may have seen or heard other advisors talking about their strategies for ...
Millions of Americans are turning 65 this year. If you're retiring soon, don't dismiss the idea of a Roth conversion — it could still be a smart move even now....
We’re closing in on the end of my 7th year of early retirement. I was fortunate enough to run my last day on the hamster wheel on December 31, 2018. At the time, I had a plan and was confident i...
Your IRA will likely turn into an inherited IRA one day. Without proper planning, the IRS will take a big chunk of it....
Trump account is a non-deductible Traditional IRA for kids with no earned income. It isn't as good as a custodial Roth IRA, a 529 plan, or a UTMA account. Learn the Nuts and Bolts I put everything I u...
Should I invest in 401k or Roth IRA? Learn how to decide based on taxes, income, and retirement goals, with examples and guidance. The post Should I Invest in 401k or Roth IRA? appeared first on Boldi...
In this week's Ask the Editor Q&A, we answer tax questions from readers on converting a traditional IRA to a Roth IRA....
We’re well into the third quarter of the year, so it’s a good time to review the actions you should consider taking with your IRAs before Dec. 31....
Converting at least some of an old 401(k) to a Roth IRA can offer long-term tax benefits and retirement flexibility, especially if you anticipate being in a higher tax bracket later or wish to leave a...
I was advised and I am following through with a near-complete conversion of my tax-deferred assets to a Roth IRA prior to age 72 when RMA's should begin. I mention "near-complete" because I'm leaving ...
So, this seems pretty straightforward, but want to make sure I'm not missing anything. I have a regular IRA, a Roth IRA, and an HSA. I'm 62 and have a high deductible health plan via the ACA (Obamacar...
You don’t have to choose just one. Life insurance and Roth IRAs can work in tandem to provide retirement income....
Required minimum distributions from IRAs and 401(k)s can become a major tax burden during retirement, but you can reduce the burden....
Converting now would enable you to spread a possible tax hit over more than one payment while reducing future taxes....
I should take my own advice but interested on other views as well. I’m 65. I currently receive two pensions from previous employers and work enough to qualify for a third, as well as very attrac...
If you're worried that long-term care costs will drain your retirement savings, consider a personalized retirement plan that could solve your problem....
To read this story on KSL.com, click here. Have you saved at least $200,000 in IRAs and 401Ks? And are you counting on this to help you pay for retirement?…...
How to maximize the tax free income from your ROTH IRA today. Several valuable tax planning strategies to reduce your taxes on retirement income....
Alternative investments are gaining ground, yet retirement investors must carefully weigh risk, liquidity and portfolio fit....
Simplified Employee Pension IRAs intended to help self-employed professionals set aside…...
A fundamental strategy for any U.S.-based DIY retirement planner is to accumulate as much retirement money as possible in a Roth IRA. Roth IRA contributions and conversions grow tax-free, and withdraw...
Qualified charitable distributions have surged in popularity thanks to a shift away from itemized deductions, but experts say there's more work to be done around client education on the underappreciat...
While the full House and Senate have yet to vote, you can still compare the MAGA Account with the Child IRA to see which might be better for your child or grandchild....
About 5 years ago, when I started doing a relative's tax return, he was always prompting me to make a quarterly tax payment. Since he had to take RMDs and since he did not need the income from the RMD...
Current have 300k in a 401, part Roth, part regular, and a small amount in an IRA. I'll be retiring in 18 months at 67. Should I keep the money in the 401 when I retire, move it to the IRA, or do some...