The IRA rollover rules are always tricky. Here are four things you need to know about rollovers as the year 2024 ends and the year 2025 arrives.

Health Savings Accounts (HSAs) continue to become more popular. Here is what you need to know about taking tax-free HSA distributions.

When a traditional IRA owner wants to convert all or a portion of his account to a Roth IRA, he needs to think long and hard about the transaction.

The recent final required minimum distribution (RMD) regulations include a new rule change that may be beneficial for IRA owners who name trusts as beneficiaries.

If you take a distribution from your traditional IRA, in most cases you will owe taxes. The good news is that there is a lot of flexibility when it comes to withholding on your IRA distribution.

Learn about the new IRS rules that loosen or eliminate documentation requirements for see-through trusts named as retirement account beneficiaries.

After years of relatively low inflation, the last couple of years have been an important reminder that investors need to consider inflation as they invest for the future.

Discover how community property laws impact your IRA. Learn about key considerations for IRA owners in community property states, including divorce and beneficiary designations. Get expert advice to navigate these complex issues.

Financial plans are a lot like states. They reflect the unique characteristics and needs of individuals and families. If you have any questions about whether you are on track to achieve your financial goals, get in touch.

If you're asking, "what's the process when a trust is IRA beneficiary?", then this article will help you with some foundational considerations to cover when it comes to this confusing topic.

Discover financial aid options available for those affected by a disability, including tax deductions, credits, ABLE accounts, and Special Needs Trusts. Learn how to find financial relief and manage costs effectively.

Thinking about a 2023 SEP IRA contribution? Here are 6 rules to help you educate yourself and decide whether or not to continue with such a contribution.

A SECURE 2.0 change allows annuitized IRA annuities to be aggregated with non-annuity IRA funds for RMD purposes could reduce them. Without a proper valuation of the annuity from the insurance company, it will be difficult to take advantage of it.

If you are taking a distribution from your IRA at end of 2023 and considering a rollover that may not be completed until 2024, here are four facts you will want to know.

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.

The end of the year is not far away. That means the deadline is near for taking a required minimum distribution (RMD). Here is what you need to know if you have your own IRA or if you are an IRA beneficiary.

A Health Savings Account is a tax-advantaged medical savings account that helps people pay for qualified out-of-pocket medical expenses. What are the withdrawal rules for HSAs? Are there special considerations that must be taken into account?

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.

If you are subject to required minimum distributions (RMDs) and have annuitized part of your IRA, a recent law change could drastically reduce your RMDs. But, without IRS guidance, it may be difficult to take advantage of that change.

In the past, a person needed to route after- or pre-tax dollars through a traditional IRA, but this is no longer the case. With "Mid-Air" Roth Conversions, it can be done from company plans. Read more.

If you’re facing the unpleasant prospect of paying college bills for the fall semester, you may be thinking of tapping into your retirement savings to help with the costs. If you’re under age 59 ½, there is an exception to the 10% early distribution penalty for higher education expenses. But there are several rules you need to follow.

Many IRA assets will ultimately go to non-spouse beneficiaries. When these beneficiaries inherit the funds, special rules kick in. Inherited IRAs are not like your own personal IRA account. Here are seven rules for inherited IRAs that may surprise you if you are a non-spouse beneficiary.

If you created your trust before 2018, and named your trust as the beneficiary of your IRA, you NEED to review it now. What was a perfectly effective planning strategy a couple of years ago could be totally useless now.

When a contribution is not permitted in an IRA, it is an excess contribution and needs to be fixed. Some excess contributions are pretty easy to understand. Others are a little more complicated. Here are 5 ways an excess IRA contribution can happen.

SECURE 2.0 has modified some rules for special needs trusts. Read to see what those are!

Discover strategic budgeting tips that you can easily incorporate to help scale your startup and meet business needs.

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.

Developing and offering a 401(k) plan for your employees is no easy feat, but working with a trusted advisor can take some stress off your shoulders.

Pairing therapy with professional advising, financial therapy could be what you need to explore your personal spending habits and discover how to achieve your financial goals.

A look at the estate tax advantaged trust, the Intentionally Defective Grantor Trust.

The pro-rata rule involves the taxation of an IRA distribution when an IRA owner has an IRA with after-tax amounts in it.

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

As Thanksgiving approaches, QCDs are a great way to get some tax relief, as well as make a difference to those who need it most by giving of what you have.

Being an estate executor is an important role to take on and it's important to understand your roles and responsibilities. It's not a task to take lightly but here are the top 5 duties to be aware of and what you absolutely need to know.

Marriage, kids, divorce, mortgage protection and running a business — 5 life stages to consider reevaluating your life insurance needs.

You know you need to be able to cover expenses in retirement, but have you determined how you'll do it? As you consider, here are 4 potential ways to help fund retirement.

This article will be about the unique considerations and tactics that military families should keep in mind when approaching retirement planning.

Retiring early to become a full-time caregiver is a huge life milestone and requires careful planning. Read more here.

If your clients need extra liability coverage, this article will advise them of how to make sure they’re properly covered.

Different people have unique life insurance needs, so it's important to know the details before buying. Learn more about whole-life versus term life insurance in order to make the right decision for you and your loved ones.

It's not just once a year that you should be reviewing your IRA, but several times to check for important updates.

RMDs feel like they creep up on you as you near retirement age, even if you're still working. But there are ways to delay the taking of these RMDs while you're still working.

You may be eligible for Medicare soon, but do you know the ins and outs of your coverage options? Here's a breakdown of Medicare Parts A, B, C & D.

Your current employer was bought out. Depending on the type of sale, your 401(k) could be affected. Here's what you need to know.

You know you need to start preparing now for a peaceful retirement, but sometimes it's hard to know where to start. If you're uncertain about your next steps, here are 6 things to start doing differently right now.

You don't have to have millions in the bank to benefit from establishing a trust. Learn the truth about trusts the surprising advantages you could be missing out on.

Many people dream of coming into an inheritance, but not all that glitters is gold. This article will help you understand the complexities of inheriting wealth—and why you need a strategy.

This article will help your clients understand the basics of an estate strategy and what needs to be included.

Get your clients thinking about their estate strategy with this article about wills. A will is a great starting point, but their financial needs may require more planning.

Guide your clients in the creation and maintenance of their trusts. This article will help them understand the maintenance processes involved.

Californians may experience the country's first-ever wealth tax. Here's what you need to know right away about this proposed bill.

At a time when prices surge and people are losing their jobs, nationwide averages to determine an individual's needs aren't going to cut it anymore.

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.

The 2020 presidential election results could have a profound impact on your estate and gift tax obligations moving forward. Here's what you need to know at year-end and beyond.