I’m Retiring Next Year. What Should I Do With My 401(k)?
If you’re retiring next year, your 401(k) may soon become part of your retirement paycheck. Learn the key factors to consider before deciding whether to leave your money in the plan, roll it into an IRA, or use a combination of both.
Should I Roll My 401(k) Into an IRA When I Retire?
Should you roll your 401(k) into an IRA when you retire? Learn the key differences between keeping your 401(k) and rolling it over, including taxes, fees, investment options, the Rule of 55, Roth conversions, RMDs, and withdrawal flexibility.
Should You Process Roth Conversions Before You Retire?
Should you process Roth conversions before you retire, or wait until retirement? Learn how tax brackets, income, Medicare premiums, state taxes, RMDs, and timing can determine when a Roth conversion may make the most sense.
The Rules for Spousal IRA Contributions
Learn how spousal IRA contributions work in 2026, including contribution limits, Roth IRA income rules, Traditional IRA deductions, and common mistakes couples should avoid.
Common Backdoor Roth IRA Mistakes
A Backdoor Roth IRA can help high-income earners build tax-free retirement savings, but mistakes with the pro-rata rule, IRA balances, Form 8606, and conversion timing can create unexpected taxes. Learn the most common mistakes to avoid.
How Long Does It Take to Build a $1 Million Roth IRA?
How long does it take to build a $1 million Roth IRA? See how a 22-year-old investing $7,500 per year could potentially become a Roth IRA millionaire, and how compounding could turn $1 million into $2 million and beyond.
Rules for Inheriting a Retirement Account from a Sibling
When inheriting an IRA or 401(k) from a sibling, the rules depend heavily on age difference and IRS guidelines under the SECURE Act. This article explains the 10-year rule, Eligible Designated Beneficiary exception, and Required Minimum Distribution requirements. It also outlines tax-efficient withdrawal strategies for both pre-tax and Roth accounts. Understanding these rules can help reduce taxes and maximize long-term value.
The SECURE Act 10-Year Rule Explained: Higher Taxes for Kids Who Inherit IRAs
The SECURE Act 10-year rule forces heirs to withdraw inherited retirement accounts faster, often increasing taxes. Learn how it works and strategies to reduce the impact on your family.
