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Conduit vs Accumulation Trust IRA Beneficiary Guide
Conduit vs accumulation trust IRA beneficiary: how the SECURE Act 10-year rule and a Roth’s tax-free status decide which trust structure protects your heirs.
Roth Conversion Senior Deduction Phaseout (2026)
Enhanced deduction for seniors eligibility: who qualifies (age 65, valid SSN, filing status), the $6,000 amount, and the MAGI phase-out for 2025 to 2028.
Does a Roth Conversion Count as an RMD?
You can’t convert an RMD to a Roth, but you can convert other IRA dollars that year. Learn the first-dollars-out rule, correct order, and the 6% penalty fix.
72(t) SEPP: Penalty-Free IRA Withdrawals Before 59½
Can you work while taking a 72(t) distribution? Yes, wages and self-employment income never change your SEPP payment, plus the still-employed IRA workaround.
Why 90% of Roth Conversion Plans Miss the Real Destination
Why 90% of Roth conversion plans miss the real destination: they skip the lifetime tax number. See how to define yours for joint, survivor and heir scenarios.
The 5 Pieces of Roth Conversion — And What Waiting Costs
The cost of waiting to do a Roth conversion is the tax-free growth and low-bracket gap years you lose before RMDs hit at 73 or 75. See the 2026 math.
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.
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.