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When you think about building a strong retirement plan, most people focus on a mix of stocks, bonds, and cash. But for many retirees and pre-retirees, there’s another tool that can add
Retirement planning changes once the paychecks stop. In your working years, the goal is usually growth. In retirement, the goal becomes reliable income, tax efficiency, and protecting your lifestyle—all while navigating market
When people think about “financial planning,” they often picture investing—choosing funds, watching the market, or trying to pick the right time to buy. But a truly well-rounded financial plan is bigger than
By Sarah Brenner, JD Director of Retirement Education Question: Please explain the rules and qualifications for rolling over a portion of an IRA to a Health Savings Account (HSA). Thank you,
By Sarah Brenner, JD Director of Retirement Education If you are age 73 or older in 2026, you will need to take a required minimum distribution (RMD) from your IRA. Usually,
By Andy Ives, CFP®, AIF® IRA Analyst Each year, in different cities, the Ed Slott team hosts several advisor training events for financial professionals serious about learning. These 2-day programs start
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: I am age 75 and have just one IRA. I normally do multiple qualified charitable distributions (QCDs) during the year. I also make
By Ian Berger, JD IRA Analyst With all the tax changes made by the 2025 One Big Beautiful Bill Act (OBBBA), it’s no surprise that the IRS has made significant changes
By Sarah Brenner, JD Director of Retirement Education Everyone has heard the horror stories of how unneeded and unwanted trusts disrupted what should have been a smooth transition of wealth. However,
By Ian Berger, JD IRA Analyst Question: If I have had my Roth IRA for 20 years and I do a conversion from my traditional IRA, is the five-year rule in
By Andy Ives, CFP®, AIF® IRA Analyst Excess IRA contributions occur for many reasons, like making a contribution without eligible compensation, accidentally exceeding the Roth IRA phase-out limits, rolling over a
By Ian Berger, JD IRA Analyst Thinking about leaving your job? Make sure you understand the vesting schedule that applies to your retirement plan. It may pay to stick it out
By Sarah Brenner, JD Director of Retirement Education Question: Hello! I have been a big fan for a long time. I have a question regarding a Roth IRA I inherited from
By Sarah Brenner, JD Director of Retirement Education IRA and Roth IRA contributions are only permitted when you have taxable “compensation” or earned income. Typically, whether or not a person has
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: Hello, I am searching for confirmation that Roth SIMPLE IRA contributions are not limited by modified adjusted gross income (MAGI) in the same
