Tue, March 31, 2026 at 6:52 PM UTC Let's say a couple retires at 63 with $2 million in a traditional 401(k) and has no RMDs for a decade. Their taxable income is low, and that window is the most ...

Secure 2.0 brought forth a lot of changes. Here's how it can change your 401(k) strategy and what to do about it.

If you’ve spent years maxing out a 401(k) or traditional IRA, most of your wealth may be sitting behind a wall you cannot touch without a penalty until age 59½. There is a strategy to work around that ...

A seven-figure traditional IRA can look like the promised land at 62, but the tax bill is already quietly winding up to strike in the background. Once Required Minimum Distributions begin at 73, the ...

You can use this strategy to build tax-free retirement income over time instead of being stuck with high RMDs.

Once you start taking IRA or 401(k) plan withdrawals, you'll be taxed on those distributions. Starting at age 73 (or 75, depending on your year of birth), you'll also have to start taking required ...

Estate tax changes: The 2026 estate tax threshold remains $15 million per person, making advanced gifting and trust strategies vital for wealth transfer. Medicare cost triggers: IRMAA surcharges now ...

The right strategies can help you avoid a massive tax bill.

Many financial planners complete Roth individual retirement account conversions around year-end. Roth conversions typically require precise current-year income projections to avoid possible tax ...

If you are considering doing a Roth conversion, this article is for you. This is the third column in a three-part series. The first one, “10 reasons not to do a Roth conversion,” ran in early June and ...

The high earner trap: Large pre-tax 401(k) balances can trigger higher tax brackets and Medicare surcharges once required minimum distributions begin. Roth loophole: The Mega Backdoor Roth allows up ...