“Third-Party Posts”
The views reflected by the author in this article are subject to change at any time without notice. Retirement Income Solutions deems reliable any statistical data or information obtained from or prepared by third-party sources included in this article, but in no way guarantees its accuracy or completeness.
6 Retirement Savings Changes To Expect in 2025
Big changes are coming to retirement savings in 2025. The shifts in retirement planning come after Congress passed the Setting Every Community Up for Retirement Enhancement Act (SECURE Act) in 2019 and its 2022 follow-up, the SECURE 2.0, which further expanded and...
7 Things to Know About Working While Getting Social Security
If you claim benefits early, income from work can reduce your monthly payments “Retirement” used to be synonymous with “not working.” Not anymore. More than a quarter of U.S. adults ages 65 to 74 are still in the workforce, according to the federal Bureau of Labor...
The views reflected by the author in this article are subject to change at any time without notice. Retirement Income Solutions deems reliable any statistical data or information obtained from or prepared by third-party sources included in this article, but in no way guarantees its accuracy or completeness.
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Roth Conversions and Qualified Charitable Distributions: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Hello Ed Slott Team! I have been doing backdoor Roth IRA conversions for years now. I recently inherited a large traditional IRA from my aunt. Will the inherited IRA affect my ability to do tax-free...
5 Steps for Tax-Free Roth IRA Distributions
By Sarah Brenner, JD Director of Retirement Education The benefit of funding a Roth IRA is the availability of tax-free distributions in the future. You pay taxes now on your contribution (or conversion) in exchange for tax-free earnings down the road. The rules can...
401(k) RMD Rollover Problems…and a Last-Minute Save!
By Andy Ives, CFP®, AIF® IRA Analyst 401(k) custodians are usually pretty good about distributing required minimum distributions (RMDs) from the plans they oversee. This is especially important when a participant is rolling over his plan balance to an IRA. Why must...
Another Way to Lose IRA Bankruptcy Protection
By Ian Berger, JD IRA Analyst Normally, if you declare bankruptcy, your IRA funds (traditional and Roth) are completely off limits to bankruptcy creditors. But a recent court decision is a good reminder that this isn’t always the case. Bankruptcy protection for IRAs...
October 15 Deadlines Are Approaching
By Sarah Brenner, JD Director of Retirement Education October is almost here. This means fall is in full swing. Along with pumpkin spice lattes, football season, and sweater weather come four important October 15 deadlines you will not want to miss! Avoid the Excess...
IRA Beneficiaries and Roth Conversions: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: My father passed away in November 2021. I became disabled in April 2022. Am I now an eligible designated beneficiary (EDB) that can use the stretch rule for distributions? I receive disability payments, so the SSA knows...
“IRA Distribution Confusion”
By Andy Ives, CFP®, AIF® IRA Analyst Traditional and Roth IRA owners often get confused about the distributions they take from their IRAs. Mix-ups and misunderstandings are pervasive. With Roth IRAs, there a number of different factors to consider when withdrawing...
IRS Confirms Effective Date of Mandatory Roth Catch-Up Rule
By Ian Berger, JD IRA Analyst In final regulations issued on September 15, 2025, the IRS confirmed that company retirement plans must comply with the SECURE 2.0 Act’s mandatory Roth catch-up rule as of January 1, 2026. That rule requires high-paid employees who wish...
PAYMENT OF THE FIRST RMD AND THE ONCE-PER-YEAR RULE: TODAY’S SLOTT REPORT MAILBAG
By Ian Berger, JD IRA Analyst Question: Hi, If my birthday is in December 2026, when I turn 73 years old, can I take my required minimum distribution (RMD) on January 2, 2026, even though I’m not yet 73 years old then? Thank you, Harvey Answer: Yes. Your first RMD is...
The views reflected by the author in this article are subject to change at any time without notice. Retirement Income Solutions deems reliable any statistical data or information obtained from or prepared by third-party sources included in this article, but in no way guarantees its accuracy or completeness.
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