Rolling over your old 401(k) or 403(b)? One wrong move could quietly cost you thousands in unnecessary taxes and penalties — especially in California’s high-tax environment.

Most probably know about the SECURE 2.0 Act provision permitting 529 funds to be rolled over to Roth IRAs. But this rollover opportunity comes with several restrictions.

Think your IRA is all yours? Think again. It’s actually a joint account with Uncle Sam—and one wrong move could cost you thousands in unnecessary taxes.

Don’t miss out on Roth IRA benefits by making mistakes when you take a distribution. Here are five steps for tax-free Roth IRA distributions.

Traditional and Roth IRA owners often get confused about the distributions they take from their IRAs.

If you are thinking about doing a qualified charitable distribution (QCD) for 2025, time is running out.

If you are using the “still-working exception” to defer required minimum distributions (RMDs) from your 401(k) (or other company plan), you may want to delay your retirement into 2026.

Which one should you contribute to? It turns out that each option has its own advantages.

When there is a mix of pre- and after-tax dollars, you cannot withdraw (or convert) just the non-deductible funds and pay no tax.

What if an RMD gets erroneously converted? Is there a fix? Yes.

There is still time! You can still make a prior-year (2024) IRA or Roth IRA contribution up to the tax filing due date, April 15, 2025.

If you don’t fix the error by that date, the tax consequences are serious. Having a tax filing extension for 2024 does NOT give you more time.