401(k) Rollovers and Spousal Contributions: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: I have a 401(k) plan with a previous employer that is a mix of pre-tax and Roth money. I’m considering a direct rollover of the 401(k) to an IRA. How would that work since it’s a mix of pre-tax and after-tax funds? Would...
Retirement Planning in 2026: Building Confidence for the Years Ahead
Retirement is no longer viewed as simply “stopping work.” For many individuals and families, retirement is about creating freedom, protecting the lifestyle they’ve worked hard to build, and gaining peace of mind for the future. With rising healthcare costs, market...
The “Required Beginning Date” vs. “First RMD Year” Confusion
By Ian Berger, JD IRA Analyst Most of you are probably familiar with the concept of the “required beginning date” (RBD). The RBD is the deadline for taking the first required minimum distribution (RMD) from an IRA or workplace retirement plan. If you’re a traditional...
New “Trump IRA” Is Fake News
By Sarah Brenner, JD Director of Retirement Education On April 30, 2026, President Trump signed an executive order to promote retirement savings for American workers. In its aftermath, we have had a flurry of questions about a new savings option called a “Trump...
Weekly Market Commentary
US equity markets finished the week mixed in volatile trade. Hotter-than-expected inflation data, coupled with increased tensions in the Middle East, sent US Treasury yields significantly higher. The US-China summit ended with both sides with no real incremental...
Understanding Medicare Part D Changes in 2026: What Beneficiaries Need to Know
Medicare continues to evolve each year, and 2026 is bringing several important updates that could directly impact prescription drug costs, coverage choices, and overall healthcare planning for Medicare beneficiaries. One of the biggest areas of focus this year is...
The Net Unrealized Appreciation Strategy and Qualified Charitable Distributions: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: I have a client who is still working, over age 75, and wants to roll her 401(k) into her IRA. She has stopped contributing and wants to move the company stock to her brokerage account using the net unrealized appreciation (NUA)...
The Net Unrealized Appreciation Strategy and Qualified Charitable Distributions: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: I have a client who is still working, over age 75, and wants to roll her 401(k) into her IRA. She has stopped contributing and wants to move the company stock to her brokerage account using the net unrealized appreciation (NUA)...
Understanding Fixed Indexed Annuities: Balancing Growth Potential and Protection
In today’s unpredictable financial environment, many retirees and pre-retirees are searching for ways to protect their savings while still maintaining the opportunity for growth. One financial tool that continues to gain attention is the Fixed Indexed Annuity, often...
Reporting a Recharacterization
By Andy Ives, CFP®, AIF® IRA Analyst We know that Roth conversions are permanent. Recharacterization of a conversion is no longer allowed. Once the conversion is done, there is no going back. However, recharacterization is still available for IRA contributions. A...
A Cheat Sheet for Retirement Account Beneficiary RMD
By Ian Berger, JD IRA Analyst The SECURE Act completely changed the rules for beneficiary IRA (and workplace retirement plan) required minimum distributions (RMDs). It’s now been more than 6 years since the SECURE Act became law and almost 2 years since the IRS...
Weekly Market Commentary
Global markets hit record highs as Q1 earnings continued to exceed expectations. Despite continued tensions in the Middle East and the Strait of Hormuz effectively closed, investors bought mega-cap technology issues alongside Semiconductor companies. AMD posted...
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