A 2026 Roth IRA conversion is taxed federally and in California on the value of what moves that day. How a market drop changes the math before December 31.

Data center ballot limits and a $13 oil drop drove last week's losses in tech and energy. What that means for a retirement income plan.

How a 2026 stock sale is taxed federally and in California, why the trade date sets the year, and when splitting a gain across December 31 lowers the tax.

Nine of 11 S&P 500 sectors rose the week ending Oct. 30, 2026, yet the index fell. What concentration in the largest companies means for a retirement plan.

California can't tax IRA or pension withdrawals you take after moving away. It can still tax a California home sale, at a rate set by all your income, including the IRA money it can't touch.

Bond yields keep easing, but home buyers are still borrowing at 7.32%. If your retirement plan depends on selling a house by a certain date, that gap matters more than the rally.

Retired in 2026? Form SSA-44 lets you ask Social Security to base Medicare's IRMAA surcharge on lower current income. A federal rule, California included.

Inflation hit 3.7% last week, yet long-term Treasuries rallied as tech stocks fell. Why your retirement income shouldn't rely on bonds doing that again.

The 10-year rule has a second half. If the original owner had already started RMDs, years one through nine aren't optional, and taking only the minimum can push most of the tax bill into year ten.

The S&P 500 gained 1.17% and the VIX closed at 14.84, but single stocks moved as much as 35%. For anyone holding one large position, that spread is the week that counted.

Medicare prices its premiums from a tax return filed two years earlier, so the income you recognize this year sets what you pay in 2028, and December 31 closes it.

The Fed got room to wait after a soft September jobs report. Long-term bonds did not get the relief that usually comes with it, and that matters for how retirement income is structured.