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Roth Conversion Statistics and Trends (2026)
A 2026 research briefing on Roth conversion statistics: IRS data showing 869,400 taxpayers converted $64.8B in 2010, ICI conversion and ownership trends, and Roth IRA asset growth.
IRA and 401(k) Contribution Limits for 2026 (and the History)
2026 IRS retirement limits: 401(k) $24,500 and IRA $7,500, plus the Roth IRA income limits 2026 by filing status, MAGI rules, and what to do if you are over the limit. Educational, sourced to IRS Notice 2025-67.
Medicare’s Total Cost in Retirement (2026)
A 2026 reference on Medicare’s total retirement cost: verified Part A/B/D premiums, deductibles, the full IRMAA table, and the long-term care gap Medicare does not cover.
The SECURE 2.0 Act: Provisions and Effective-Date Tracker
A sourced SECURE 2.0 Act effective-date tracker: RMD age 73/75, catch-up rules, Roth changes, 529-to-Roth, Saver’s Match. Every figure carries a year and IRS or CRS citation.
The HSA as a Retirement Account (2026): Limits, Rules, and Data
A 2026 research briefing on the HSA as a retirement account: IRS contribution limits ($4,400/$8,750), the triple tax structure, post-65 rules, no RMDs, and Devenir/EBRI market data.
Retirement Account Balances by Age (2026 Data)
Retirement account balances by age for 2026: verified median and average 401(k) and IRA figures from the Federal Reserve SCF, Vanguard, Fidelity, and ICI, with a tax-diversification analysis.
The 2026 Standard Deduction and the New Senior Deduction
The 2026 standard deduction is $32,200 MFJ and $16,100 single (Rev. Proc. 2025-32). A separate $6,000 senior deduction (2025-2028) phases out above $75,000/$150,000 MAGI. Figures, tables, and worked examples.
Required Minimum Distributions in 2026: Rules, Tables, and Data
A 2026 research briefing on required minimum distributions: the age-73 rule, the full IRS Uniform Lifetime Table, the 25%/10% penalty, Roth changes, and aggregate IRA data.
The Social Security Tax Torpedo: How Benefit Taxation Spikes Your Marginal Rate
A sourced 2026 research briefing on the Social Security tax torpedo: frozen 26 U.S.C. 86 thresholds, the 50%/85% inclusion rules, and effective marginal rates up to 40.7%.
The Retirement Tax Window: The Gap Years Before RMDs
The gap between the median U.S. retirement age (62) and the age RMDs begin (73) has reached 11 years in 2026, a 53% widening since 2020. A sourced federal briefing.