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IUL vs 401(k): Comparing Indexed Universal Life and a 401(k) for Retirement
In the IUL vs 401(k) decision, a 401(k) with an employer match and Roth option suits nearly every saver, while an indexed universal life policy […]
Using a High Medical-Expense Year to Shelter a Roth Conversion
A Roth conversion in a high-medical-expense year pairs a large Schedule A medical deduction with conversion income, so costs above 7.5% of AGI under IRC […]
The Still-Working Exception, RMDs, and Why Your IRA Still Needs a Conversion Plan
The still-working exception RMD rule can delay required minimum distributions from your current employer’s 401(k) or 403(b) past age 73, but it never covers your […]
Roth Conversions Around a Divorce: Filing Status, Split IRAs, and Timing
A Roth conversion in a divorce year is allowed, but your December 31 marital status sets filing status and brackets for the whole year. Key […]
Roth Conversions for Expats: FEIE, Foreign Tax Credits, and Timing
A Roth conversion while living abroad is taxed as ordinary US income in the conversion year, and the Foreign Earned Income Exclusion does not make […]
Offsetting a Roth Conversion With a Net Operating Loss (NOL)
A net operating loss can offset the ordinary income a Roth conversion creates, because both are ordinary items that net against each other on Form […]
Roth Conversions After Selling a Business: Timing the Low-Income Window
A Roth conversion after selling a business is usually more efficient in the low income years after the sale than in the sale year itself. […]
Why Age 63 Is a Roth Conversion Deadline: The IRMAA Two-Year Lookback
A Roth conversion before age 63 is the last one that cannot raise a future Medicare premium, because IRMAA looks back two years and Part […]
IRS Uniform Lifetime Table 2026: RMD Divisors by Age
The IRS Uniform Lifetime Table 2026 is unchanged from 2022 and gives the RMD divisor for each age (26.5 at age 73), published in IRS […]
IRS Single Life Expectancy Table 2026: Inherited IRA RMD Divisors
The Single Life Expectancy Table 2026 is IRS Table I, the inherited-IRA beneficiary divisor chart in Publication 590-B. The 2026 factors match 2022 through 2025, […]