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.

If you made excess deferrals to your 401(k) or 403(b) plan(s) in 2025, you need to correct the error while there’s still time. The deadline is April 15, 2026.

The IRS has issued guidance on Trump Accounts, which are new tax advantaged accounts for children established as part of the One Big Beautiful Bill Act (OBBBA).

The One Big Beautiful Bill Act (OBBBA) left unanswered a number of questions about Trump Accounts, the new savings vehicle for children.

Many employers with company plans are scrambling to be ready for the soon-to-be-effective SECURE 2.0 rule requiring high-paid employees to make plan catch-ups contributions to Roth accounts.

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.

The SECURE 2.0 Act expanded the list of exceptions to the 10% penalty.

The One Big Beautiful Bill Act (OBBBA), signed into law on July 4, makes some changes to the HSA rules.

The One Big Beautiful Bill Act (OBBBA) brings new considerations, especially for Roth conversion planning.

The One Big Beautiful Bill Act (OBBBA) signed into law on July 4, 2025, includes a new savings vehicle for children called “Trump accounts.”

On July 4, 2025, President Trump signed into law the “One Big Beautiful Bill Act” (OBBBA). What does it mean for your retirement account?

President Trump signed the One Big Beautiful Bill Act (OBBBA) into law on the Fourth of July. The $3.8 trillion tax and spending package is a wide-ranging piece of legislation.

There is no “SECURE 3.0” in this legislation. It does NOT contain any changes DIRECTLY related to IRA or retirement plan rules.

The arrival of the SECURE Act means the end of the stretch IRA for many beneficiaries.

In the 2022 SECURE 2.0 legislation, Congress gave the IRS two years, which have come and gone, to come up with rules allowing IRA owners to fix certain mistakes through self-correction.

A recent survey found that about one-third of Americans plan to retire in their current city. A key factor in decisions about where to retire is financial security.

One of the more controversial rules in the 2022 SECURE 2.0 Act is the requirement that plan catch-up contributions by certain highly-paid employees be made on a Roth basis. But things have changed.

Keep in mind that these are the rules for IRAs inherited after 2019. (Pre-SECURE Act rules apply for IRAs inherited before 2020.)

Key 401(k) changes take effect in 2025 under SECURE 2.0, including auto-enrollment and part-time employee eligibility. Learn how these updates affect you.

Discover the IRS tax relief and retirement withdrawal options for victims of Hurricanes Helene and Milton. Learn about penalty-free IRA withdrawals, extended tax deadlines, and SECURE 2.0 benefits.

The IRS has raised 401(k) contribution limits for 2025, with new savings opportunities under the SECURE 2.0 Act. Learn about the updated limits here.

Learn how new IRS rules affect penalties for missed RMDs and excess IRA contributions, including critical statute of limitations updates under SECURE 2.0.

Under the SECURE Act, a minor child of the account owner is considered an eligible designated beneficiary and can stretch distributions from an inherited IRA over their life expectancy until reaching age 21.

In 2020, the SECURE Act completely changed the game for nonspouse IRA beneficiaries. Here is some good news if you are inheriting a Roth IRA.

Of all the many provisions in the SECURE 2.0 Act, none has been more perplexing than Section 327, which changed the rules for spouse beneficiaries.

401(k) plans can now match student loan repayments under SECURE 2.0, providing valuable contributions toward retirement savings starting in 2024.

New IRS rules make it easier to qualify as an Eligible Designated Beneficiary for inherited IRAs. Learn who qualifies and how to secure lifetime RMDs.

Both retired and working participants were concerned that significant changes in Social Security may be ahead. They're not wrong to be concerned.

Learn how SECURE 2.0 allows penalty-free 401(k) and IRA withdrawals for emergencies and domestic abuse victims. Review limits and rules.

Learn about the IRS final RMD regulations under the SECURE Act. Understand key changes, their impact on beneficiaries, and what you need to do next.

After more than two years, we might actually be getting answers from the IRS on several important unanswered questions concerning RMDs for those who inherit IRAs or company plan accounts. Learn about the upcoming IRS Beneficiary RMD Final Regulations, changes from the SECURE Act, and how they impact your retirement account inheritance planning.

In its proposed SECURE Act regulations, the IRS surprised everyone by saying that, in addition to the 10-year payout, annual RMDs are required in years of 1-9 of the 10-year period if the IRA owner had died on or after the date his RMDs were required to begin.

SECURE 2.0 made some significant changes to the SIMPLE IRA plan contribution limits, pushing the 2024 limits to $17,600 and $3,850, respectively.

Here’s a cheat sheet on how the SECURE Act rules currently stand for IRAs inherited after 2019.

Prepare for the seven key life events that impact baby boomers' finances and investments. Learn about estate planning, health care, retirement, and managing multiple income sources. Consult a financial advisor to secure your future.

Learn whether 529-to-Roth IRA rollovers are subject to state tax. Explore state-specific rules and their tax implications under SECURE 2.0.

More than a dozen holidays are celebrated this week, including America Saves Week, which encourages people to build a secure financial future by saving for what matters most.

SECURE 2.0 expands in-service withdrawal options for 401(k), 403(b), and 457 plans. Learn what’s changed and how these rules affect access to retirement funds.

More 401(k) SECURE 2.0 changes such as matches on student debt and emergency savings accounts are already in effect. But there are others that are still on the way.

SECURE 2.0 established a six-year SOL on the 6% excess IRA contribution penalty and a three-year SOL on penalties for missed required minimum distributions (RMDs).

If you exceeded the 2023 limit for 401(k) deferrals, time is of the essence to correct the error. If you don’t act quickly, the tax consequences can be serious.

When the bell dropped in Times Square last Sunday night, a bunch of new provisions from the SECURE 2.0 legislation kicked in. This article will focus on the Roth-related changes that are effective in 2024.

Thinking of opening up a new solo 401(k) plan for 2023? Thanks to SECURE 2.0, you don’t have to rush to get it done by year end.

The SECURE 2.0 Act contained over 90 sections and included numerous IRA and retirement account changes. Here is a list of 10 items from the Act scheduled to come on-line in 2024.

Beginning in 2023, SECURE 2.0 allowed for employer contributions to be made to Roth accounts. But few plans have offered Roth employer contributions because of the need for recordkeepers to adjust their systems and because of the lack of IRS guidance.

SECURE 2.0 allows IRA annuities and other IRA funds to be combined for RMDs. A proper annuity valuation is required to apply the new rule.

Section 327 changes the distribution rules for spouse beneficiaries of IRA (and workplace plan) account holders and is effective January 1, 2024. The result is that some of these beneficiaries will actually be in a worse position than they are in under the current rules.

Congress made SIMPLE IRA plans more complex with new 2024 rules under the SECURE 2.0 Act. Learn how limits and contributions are changing.

Traditional IRA owners are subject to RMDs beginning in the year in which they turn age 72. The RMD age used to be 70½, but the SECURE Act raised the age to 72 for anyone who turned 70½ in 2020 or later.

SECURE 2.0 expands qualified charitable distributions (QCDs) by allowing a one-time only QCD of up to $50,000 to a split-interest entity. As a result of this new rule, there is now a great opportunity to fund a charitable gift annuity (CGA) with a QCD.

As advisor questions come in about the SECURE Act, SECURE 2.0 and the tax code, I get it when they ask, “Where does it say that?” But the “Where does it say that?” question is not an easy one.

IRA contribution limits rise to $7,000 in 2024. Learn new income thresholds, catch-up rules, and other IRA updates under SECURE 2.0.

It’s that time again, when the federal government reports on the fiscal state of Social Security (headed toward zero) and also estimates the cost-of-living adjustments (COLAs) for next year. Last year, retirees got a 9% raise, but were told the program would be insolvent by 2033. This year, retirees should receive around a 3% raise, and the program is still on the way to financial oblivion.

Learn how the 3-year statute of limitations affects missed RMD penalties and what SECURE 2.0 means for your retirement distributions.

The IRS gives employer plans two more years to comply with the controversial SECURE 2.0 rule requiring “catch-up contributions” for high-paid employees to be made on a Roth basis. The effective date of the rule has been postponed from January 1, 2024 to January 1, 2026.

Learn about Required Minimum Distributions (RMDs) and Qualified Charitable Contributions (QCDs), their tax benefits, deadlines, and rule changes under SECURE 2.0.

The IRS delays roth catch up: The IRS delayed the effective date of the SECURE 2.0 rule requiring catch-up contributions by higher-paid older employees to be made on a Roth basis.

Unlock expert insights into special needs financial planning with Arcadia Berjonneau-Keane's video series. Learn key strategies for securing your child's future now.

The lunacy of IRA beneficiary payout rules continues to boggle the mind. As I guide advisors through the options available to their clients, various nuances present one unique scenario after another. Did the original IRA owner pass away before or after the establishment of the SECURE Act? How old was the person when they died? Who was the beneficiary? Is this a successor beneficiary situation? Ultimately, by following the individual fact patterns, definitive answers materialize.

Explore 457(b) plans: rollovers, creditor protection. Know differences in governmental and top hat plans for a secure retirement. Read more.

While celebrating, same-sex couples may want to take this opportunity to consider plans for their retirement accounts. Since the SECURE Act and SECURE 2.0 have overhauled the rules, it may be time for a new strategy. Here are 5 retirement account planning tips.

Beginning in 2024, SECURE 2.0 requires that certain high-paid 401(k) participants who want to make catch-ups must make them on a Roth basis. This means that the contributions will be made on after-tax pay, but the contributions and associated earnings can be distributed tax free if certain conditions are met.

There are numerous articles referring to “eligible designated beneficiaries” (EDBs), “non-eligible designated beneficiaries” (NEDBs), and “non-designated beneficiaries” (NDBs). As a basic refresher, the three SECURE Act IRA beneficiary categories (and their applicable payout rules), are as follows.

Learn how to legally and securely name a minor as your IRA beneficiary with custodial accounts, trust options, and guardian guidance.

When the Jones Act was enacted, it was thought that it would encourage U.S. shipbuilding. But with the increased import of LNG, no ships qualify under the Jones Act, leaving the U.S. completely out of this precious resource.

Find out when RMDs apply to inherited Roth IRAs based on beneficiary type. Learn how SECURE Act rules affect Roth IRA inheritance.

SECURE 2.0 has changed the way that employer contributed accounts are maintained. Read more to see how.

Roth IRA distributions have changed by SECURE 2.0. Read what those changes are.

As we get deeper into the new year, make sure that you have your financial plans in order.

SECURE 2.0 has changed the way RMDs work in retirement planning. Read to see these changes.

RMDs and how they function have been altered as SECURE 2.0 has taken affect. Read to see how in this article.

Under SECURE 2.0, RMDs have changed in certain ways that are critical for you to understand.

SECURE 2.0 has changed many things, including Roth accounts with new savings opportunities to employ today.

Delaying RMDs can be a beneficial step in successful retirement planning. See how things have changed under SECURE 2.0.

Confused about SECURE Act 2.0? Take a look at our rundown of the new legislation and how it changes your retirement.

SECURE 2.0 updates allow charities as beneficiaries in special needs AMBTs, improving IRA stretch options for disabled or chronically ill individuals.

When it comes to rollovers from 529 plans to Roth IRAs, there are new regulations when it comes to SECURE 2.0.

SECURE 2.0 brings changes to RMDs in regards to Roth IRAs. Read how in this article.

SECURE 2.0 is extremely beneficial as it gives more leniency towards missed payments and allows you to wait longer until you have to take out much needed funds.

Under SECURE 2.0, there are a couple of new ways to avoid the 10% withdrawal penalty. Read how these work.

Contained in this article is a list of 5 major changes to retirement accounts courtesy of SECURE 2.0.

SECURE 2.0 has been passed, and therefore things have been changed and added accordingly. Read to find out more.

This article contains changes made to retirement accounts from SECURE 2.0, more specifically in the 401(k) category.

This article contains a couple questions regarding RMDs and their new functions according to SECURE 2.0.

Roth IRAs are already popular, and with new SECURE Act regulations, they have even more advantages. Read what those are!

Government bills are being formulated that deal with the SECURE Act 2.0 and other financial features.

IRA deadlines are coming to an end as the year closes out. Make sure you are on top of all these to secure yourself for a successful 2023.

SECURE 2.0 is designed to increase savings in IRAs and company plans for retirement planners and savers.

The new IRS regulations that came with the SECURE Act have been fraught with curveballs. Read this article to understand all the details.

Many regulations in the SECURE Act are confusing, leading to many questions asking how to understand them. This article will explain!

Everyone wants to be comfortable and financially stable as they age. Here are few tips to help you secure retirement in your 50s and 60s.

The holidays are the time to spend with family, which is important as it acts as a time to get your financial situation with family members taken care of.

The CARES Act helped people stabilize their income as jobs were being lost, but now is the time to repay CRDs.

A lump sum buyout offer is a limited opportunity for defined benefit plan participants, but don't let the scarcity of it let you feel compelled to act on it without first understanding it.

You may be waiting as long as possible to take your Social Security benefits, but is that actually your best option? Here's what research you should be doing to find out.

Inflation is on the rise; are these new taxes the solution?

Did you know that you can claim a spousal benefit for social security? We detail a few important situations where you can claim spousal benefits for social security, even if you're widowed or divorced.

Just because you've retired doesn't mean you have to stop working. However, working income may affect your social security earnings.

You've imagined your dream retirement, but how can you know if you’ll be able to afford it? Estimating your Social Security benefits is an important component to any retirement plan.

Deciding to wait or claim Social Security benefits is a personal decision. Here are some important factors anyone nearing or in retirement should consider now.

Should you consider taking Social Security early to cover a sudden financial hardship? Make these crucial considerations first.

Before you can begin to claim any Social Security benefits be sure you're checking these 6 things off your list to start your retirement off on the right foot.

One of the most complex and important financial decisions you can make is when to claim Social Security. Here are some key points and considerations to think about when you should claim Social Security.

This article details the top three provisions in the Inflation Reduction Act that the average American will benefit from the most.

There are a number of details involved when it comes to maximizing your Social Security benefits. If you're married, it's important to consider your options for both you and your partner.

Required minimum distributions (RMDs) from retirement accounts were suspended in 2020, as part of the federal government’s effort to keep the economy afloat despite medical and financial turmoil. Now they’re back, so most people who are 72 or older in 2021 will have to take at least as much as IRS tables dictate from their retirement accounts this year, and pay the resulting tax. Many IRA owners delay RMDs until yearend, but there are good reasons to act sooner rather than later.

The CARES Act provided economic benefits in direct response to COVID-19. Read on to learn five ways you can access these benefits for the 2020 tax year.

The Social Security Administration announced a 2021 Cost of Living Increase of 1.3% on Oct. 13, 2020. Whether you’re currently working or enjoying retirement, here’s how you may be affected.