Apr 27, 2026
By Sarah Brenner, JD Director of Retirement Education Spring is here! Now is the time when many people spring-clean their homes. It is an opportunity to get organized, get rid of clutter, and simplify. This year, consider taking the same approach with your retirement...
Apr 23, 2026
By Ian Berger, JD IRA Analyst Question: Hello, I’ve run into someone who is retired, age 77, and therefore taking required minimum distributions (RMDs) from his Caterpillar 401(k) plan. He has approximately $5M in Caterpillar stock within the plan. It seems...
Apr 22, 2026
By Andy Ives, CFP®, AIF® IRA Analyst 1. When did the decedent die? The SECURE Act impacts beneficiaries of decedents who died in 2020 or later. Anyone who passed away prior to 2020 falls under the old rules. Prior to the SECURE Act, all living, breathing...
Apr 20, 2026
By Ian Berger, JD IRA Analyst Trump Account contributions can be made as early as this July 4. But before making a contribution on behalf of a child, you should understand that the way these contributions are treated under federal tax law may be different than...
Apr 16, 2026
By Sarah Brenner, JD Director of Retirement Education QUESTION: Hi, I was wondering if my Roth account that is a part of my Thrift Savings Plan (TSP) through federal employment counts toward my five-year rule for a Roth IRA? If I wanted to transfer the money from my...
Apr 15, 2026
By Sarah Brenner, JD Director of Retirement Education Not all funds in an IRA belong there. When a contribution is not permitted in an IRA, it is considered an excess contribution and needs to be fixed to avoid penalties. Some excess contributions are easy to...
