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Why the 10-Year Rule Strengthens the Case for Roth Conversions
Non-spouse heirs cannot convert an inherited IRA to a Roth; surviving spouses can, after a spousal rollover. See the 2026 rules, taxes, and workaround.
Inherited IRA RMD Rules After SECURE 2.0: The 10-Year Rule Explained
SECURE Act 2.0 RMD rules for inherited IRAs, explained for 2026: the 10-year rule, when annual RMDs apply, who is exempt, inherited Roth nuance, and the 25% penalty.
Tax-Loss Harvesting: How to Lower Your Tax Bill With Investment Losses
Tax-loss harvesting explained for 2026: the 3-step process, the $3,000 limit, the wash-sale rule, the December deadline, and how it fits a retirement tax plan.
IRMAA: The Medicare Surcharge High Earners Need to Plan For
Do Roth IRA withdrawals count as income for IRMAA? Qualified Roth withdrawals don’t raise your Medicare MAGI, but conversions do. See the 2026 rules.
Capital Gains Tax Rate for 2026: What Investors Need to Know
The 2026 long-term capital gains tax rate is 0%, 15%, or 20%. See the full taxable-income thresholds for all four filing statuses, plus NIIT and 0% harvesting.
Sequence of Returns Risk: Why Timing Matters in Retirement
Sequence of returns risk can outlast a portfolio if losses hit early in retirement. See the two-retiree example, the fragile decade, and how to reduce it.
Net Unrealized Appreciation: A Tax Strategy for Company Stock in Your 401(k)
Net unrealized appreciation (NUA) turns 401(k) stock into capital gains, not ordinary income. Get the 2026 NUA tax rules, triggers, and an example.
Roth Conversions During a Down Market: Why a Bear Market Can Be a Tax-Free Opportunity
A market downturn lowers the tax base on a Roth conversion, not the rate. See the 2026 mechanics, a worked share-price example, and the traps to avoid.
4 DIY Roth Conversion Mistakes That Cost IRA Millionaires
The 4 Roth conversion mistakes that cost IRA millionaires: bracket filling, IRMAA, market timing and asset order, with 2026 figures and the fix.
What Is an Annuity? A Fee-Only Fiduciary’s Skeptical Buyer’s Guide
What is an annuity? A fee-only guide to how annuities work, the types, 2026 payout examples, taxes, and whether one fits your retirement plan.