“Third-Party Posts”
The views reflected by the author in this article are subject to change at any time without notice. Financial Protector deems reliable any statistical data or information obtained from or prepared by third-party sources included in this article, but in no way guarantees its accuracy or completeness.
3 Changes Are Coming to 401(k) Plans in 2025
Three significant 401(k) plan changes coming in 2025 are worth paying attention to, regardless of when you plan to retire, whether you work full-time or part-time, or whether you even have a 401(k) yet. In late 2022, Congress passed a law to help savers build their...
6 Retirement Savings Changes To Expect in 2025
Big changes are coming to retirement savings in 2025. The shifts in retirement planning come after Congress passed the Setting Every Community Up for Retirement Enhancement Act (SECURE Act) in 2019 and its 2022 follow-up, the SECURE 2.0, which further expanded and...
7 Things to Know About Working While Getting Social Security
If you claim benefits early, income from work can reduce your monthly payments “Retirement” used to be synonymous with “not working.” Not anymore. More than a quarter of U.S. adults ages 65 to 74 are still in the workforce, according to the federal Bureau of Labor...
The views reflected by the author in this article are subject to change at any time without notice. Financial Protector deems reliable any statistical data or information obtained from or prepared by third-party sources included in this article, but in no way guarantees its accuracy or completeness.
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Eligible Designated Beneficiaries and Successor Beneficiaries: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: My client is age 71 and divorced. He is the primary beneficiary of his ex-wife’s IRA. She just recently passed away this year at the age of 67. I believe my client is an Eligible Designated Beneficiary (“EDB”) because he...
Why the Once-Per-Year Rollover Rule Is Often Misapplied
By Ian Berger, JD IRA Analyst The IRS rollover rules are fraught with complexity. (That’s why we always recommend direct transfers instead of 60-day rollovers.) The rule with the most serious consequences is the “once-per-year” rule. Running afoul of that rule...
IRA Trick or Treat
By Sarah Brenner, JD Director of Retirement Education The Halloween holiday is approaching. This is the time of year when tiny ghosts and goblins will ring doorbells and ask, “Trick or Treat?” In the spirit of the season, we at the Slott Report present our very own...
Weekly Market Commentary
US markets rebounded from losses in the prior week as trade tensions between the US and China appeared to ease. President Trump is scheduled to meet with President Xi in the next couple of weeks, and Treasury Secretary Bessent met with Chinese trade officials over...
QCDs and RMDs Before Roth Conversions: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: I read your blog titled “5 Things You Need to Know About Qualified Charitable Distributions.” I was surprised that you didn’t include a 6th item to let people know that they cannot make a contribution to an IRA for the year of...
Good Reasons to Name a Trust as IRA Beneficiary
When a trust is named as beneficiary of an IRA, several possible negative issues may be introduced. For example, after the death of the IRA owner, things can become more complex for the beneficiaries. Trust beneficiaries cannot simply set up their own inherited IRAs....
State Tax Treatment of 529-to-Roth IRA Rollovers
By Ian Berger, JD IRA Analyst By now, most of you probably know about the SECURE 2.0 Act provision permitting 529 funds to be rolled over to Roth IRAs. Because of this new law, parents and grandparents can fund 529 plans without worrying as much about having to pay...
Roth Conversions and Qualified Charitable Distributions: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Hello Ed Slott Team! I have been doing backdoor Roth IRA conversions for years now. I recently inherited a large traditional IRA from my aunt. Will the inherited IRA affect my ability to do tax-free...
5 Steps for Tax-Free Roth IRA Distributions
By Sarah Brenner, JD Director of Retirement Education The benefit of funding a Roth IRA is the availability of tax-free distributions in the future. You pay taxes now on your contribution (or conversion) in exchange for tax-free earnings down the road. The rules can...
The views reflected by the author in this article are subject to change at any time without notice. Financial Protector deems reliable any statistical data or information obtained from or prepared by third-party sources included in this article, but in no way guarantees its accuracy or completeness.
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