Could Your Retirement Plan Handle a Change of Plans?
You may have a clear picture of retirement: more time with family, a few trips you have been putting off, and the freedom to spend your days doing what matters most. But a retirement plan also needs room for the things you cannot schedule. An unexpected home repair. A...
Part 2: Who Should NOT Convert to a Roth IRA?
By Andy Ives, CFP®, AIF® IRA Analyst In our August 31, 2026, Slott Report entry, we offered a list of situations where Roth conversion could make sense. In that article, we also said that a Roth conversion is not for everyone. Conversion is NOT a universally...
Weekly Market Commentary
US equity markets fell in the holiday-shortened week as oil prices surpassed $100 a barrel, raising inflation concerns and pushing interest rates higher. Additionally, elevated inflation data announced during the week increased the likelihood that the Federal Reserve...
Can I Do a Conversion From the Inherited IRA Into the Inherited Roth IRA?: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: I am age 74 and inherited both a traditional IRA and a Roth IRA from my older sister who recently died. Can I do a conversion from the inherited IRA into the inherited Roth IRA? Daniel ANSWER: Daniel, Non-spouse...
The Four Risks That Can Quietly Undermine Your Retirement Plan
Retirement planning is about more than reaching a particular savings goal. Even a substantial portfolio can face pressure from risks that are easy to underestimate—including market volatility, inflation, rising healthcare costs, and the possibility of living longer...
An Update on State Law Tax Treatment of Trump Accounts
By Ian Berger, JD IRA Analyst A Slott Report article from April 20, 2026, reported that a number of states intended to tax Trump accounts less favorably than they are taxed under the federal tax code, and others were undecided about state tax treatment. Since then,...
Weekly Market Commentary
Markets finished the week mixed as investors assessed the escalation of tensions between the US and Iran and recalibrated expectations of Federal Reserve monetary policy. The week started with sharp declines after the US hit targets on an island in the Strait of...
Tax-Efficient Retirement Planning: It’s Not Just What You Save—It’s What You Keep
Saving for retirement is one of the most important financial commitments you can make. But building a sizable retirement account is only part of the equation. The amount you are ultimately able to spend may also depend on how—and when—your retirement income is taxed....
Should My Daughter Continue Contributing to Her Son’s 529 Plan or Open Up a Trump Account?: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: Can I roll over my pre-tax 401(k) funds to a traditional IRA and my Roth 401(k) funds to a Roth IRA? I am concerned about the once-per-year rollover rule. Thanks, Ken Answer: Hi Ken, I have good news for you. The once-per-year...
Qualified Disaster Distributions
By Sarah Brenner, JD Director of Retirement Education Hurricane season is upon us. Wildfires are raging in the West, and many states are dealing with flooding from summer storms. Natural disasters are increasingly common. After the impact comes the cleanup…and the...
Weekly Market Commentary
Markets ended the week mixed as investors assessed the implications of the US economic isolation of Iran, the fallout of increased tariffs on Canada, Nvidia Q2 earnings results, and the Fed Chairman’s speech at the Kansas City Federal Reserve’s Economic Symposium in...
Can I Do a Roth Conversion With No Earned Income?: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Can I convert my traditional IRA to a Roth IRA even though I have no earned income for this year? Answer: While having earned income or taxable compensation is a requirement for making a tax-year...
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