IRA Blog

By Ian Berger, JD IRA Analyst Question: I have a client who is still working, over age 75, and wants to roll her 401(k) into her IRA. She has stopped contributing and...

By Andy Ives, CFP®, AIF® IRA Analyst We know that Roth conversions are permanent. Recharacterization of a conversion is no longer allowed. Once the conversion is done,...

By Ian Berger, JD IRA Analyst The SECURE Act completely changed the rules for beneficiary IRA (and workplace retirement plan) required minimum distributions (RMDs)....

By Sarah Brenner, JD Director of Retirement Education Question: My spouse and I have a combined six-figure required minimum distribution (RMD) from my two IRAs and her...

  By Sarah Brenner, JD Director of Retirement Education The once-per-year IRA rollover rule sounds easy. However, there are many ways to go wrong. One common...

  By Andy Ives, CFP®, AIF® IRA Analyst Qualified charitable distributions (QCDs) and required minimum distributions (RMDs) are two separate and distinct...

  By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: When someone under age 59½ uses the “backdoor” method of making Roth IRA contributions, does the 10% penalty apply...

  By Ian Berger, JD IRA Analyst Contributions to Trump Accounts, the new tax-deferred savings vehicle for children, can’t be made until July 4, 2026. However, the...

By Sarah Brenner, JD Director of Retirement Education Spring is here! Now is the time when many people spring-clean their homes. It is an opportunity to get organized,...