Retirement Planning
2026 RMD Planning: What Retirees Should Consider Early in the YearÂ
For many retirees, required minimum distributions often feel like a December issue, something to address once the year is nearly finished. In reality, RMD decisions shape your financial picture throughout the entire year. The timing…
Read MoreRoth Conversion Planning in 2026: What to Review Early in the YearÂ
The start of a new tax year brings updated numbers that quietly reshape the planning landscape for Roth conversions. Changes to tax brackets, income thresholds, and contribution limits for 2026…
Read More2026 Tax Updates: Key Changes Retirees and High Earners Should Review EarlyÂ
Every new tax year brings adjustments, and 2026 is no exception. The IRS has released updates that shape how income is taxed, how much can be saved within retirement accounts,…
Read MoreCharitable Remainder Trusts: Extending IRA Benefits Beyond 10 YearsÂ
Most people imagine an inherited IRA as a lasting gift that supports the next generation for years. That changed with the SECURE Act and the SECURE Act 10 year rule, which…
Read MoreYear-End IRA Planning: 3 Steps to Reduce Your TaxesÂ
The end of the year often brings a sense of reflection. For many retirees and high earners, it is also one of the most important moments to take a closer…
Read MoreLife Insurance as a Roth Alternative: Turning Tax Liability into LegacyÂ
You’ve spent years saving carefully and watching your retirement accounts grow. It is a sign of progress, but it also comes with a catch. The larger your IRA becomes, the larger…
Read MorePartial Roth Conversions: A Smart Move for High-Balance IRAs Â
For many savers, a growing IRA feels like a reward for years of hard work and disciplined investing. Yet as balances climb into the high six or seven figures, those…
Read MoreExtra Deduction for Seniors 2025: What Turning 65 Means Under the One Big, Beautiful Bill Â
The One Big, Beautiful Bill became law in 2025 and quickly drew attention for freezing tax brackets and raising estate exemptions. Those headline changes shaped much of the early discussion,…
Read MoreRoth Conversions and Medicare Premiums: Understanding the IRMAA Tradeoff Â
Roth conversions have become a popular tax strategy for those looking to reduce future taxable income. By moving funds from a traditional IRA or 401(k) into a Roth IRA, you…
Read MoreRoth Conversions in 2025: Should You Act Before Tax Rates Change Again? Â
A Roth conversion allows you to move money from a pre-tax retirement account, such as a traditional IRA or 401(k), into a Roth IRA. Taxes are due on the amount…
Read More