Still Working at 73? You Might Not Have to Take That RMD — But There's a Catch
There's a rule that may let you skip RMDs past age 73 — but it only applies to one specific account, and most people apply it too broadly.
Does California Tax Roth IRA Withdrawals?
Most people assume a Roth IRA is tax-free. Federally, they're right. But California has its own rules — and for retirees living here, the differences can affect your conversion strategy, your withdrawal timing, and your tax bill.
The Roth Conversion Deadline Died. The Reason to Convert Didn't.
The legislative deadline that drove Roth conversion conversations for years is gone. The problem it was pointing at isn't. Here's why the case for converting still holds — and what most people get wrong now that the urgency has disappeared.
The IRA Your Beneficiary Will Inherit Comes With a Tax Bill They Don't Know About
Most people never think about what happens to their IRA after they die. Under current law, the beneficiary may face a 10-year deadline to empty the account — and a tax bill they weren't expecting.
The "Trump IRA" Is Not Real — But the Executive Order Behind It Is
Your social feed has probably been buzzing about it. Maybe a family member forwarded you an article. Here's the short answer: there is no "Trump IRA." An executive order was signed — but it directed agencies to study retirement savings access. No new law. No new account type. No IRS guidance. Here's what actually happened, and why the confusion itself is the planning risk.
Your QCD Timing Might Be Off — And It Could Cost You a Tax Break
Most IRA owners have heard "do your QCD before your RMD" — but the advice is imprecise in a way that matters. Here's what the timing actually means.
The New Trump Accounts Sound Simple. For Grandparents, They're Not.
A new savings account for children is generating buzz — and grandparents are rushing to open them. But the IRS eligibility rules are stricter than the marketing suggests, and signing the wrong form could carry real legal risk. Here's what to understand before you act.
The Accounts Are All There. But Are You Drawing from Them in the Right Order?
Most retirees never explicitly plan which account to draw from first. The sequence matters more than most people realize — and the consequences compound quietly over time.
You Followed the Rules. So How Did You End Up with an Excess IRA Contribution?
Excess IRA contributions don't just happen to people who aren't paying attention. Here are six ways a well-intentioned move can trigger a penalty — and what to do if it happens to you.
When a “Tax-Free” IRA Strategy Becomes Partially Taxable
A Qualified Charitable Distribution (QCD) or Roth conversion can be highly effective—but small execution details can quietly change the outcome. In this article, we explore how tax withholding can turn a tax-efficient strategy into a partially taxable event, and what that reveals about the importance of coordinated planning.
Understanding Contribution Limits When You Have Multiple Retirement Plans
If you contribute to more than one retirement plan, understanding how contribution limits apply across accounts is more nuanced than it appears. This article explains how deferral and overall limits work together—and where confusion often arises.
No Joke - Today is a Required Beginning Date!
Today is April 1, and that’s a big day because today is the required beginning date (RBD) for any traditional IRA owner who turned age 73 in 2025.