Our Latest
Articles
Roth Conversion and Medicaid: Income Test vs. Asset Test (2026)
How a Roth conversion affects Medicaid in 2026: income-based (MAGI) Medicaid counts conversion-year income, while long-term-care Medicaid turns on the asset test. Plus IRMAA and ACA effects, with primary sources.
Suspending Social Security Benefits: How It Works (2026)
Suspending Social Security pauses checks after full retirement age so benefits grow 8% a year in delayed credits. How it works, suspension vs. withdrawal, Medicare, and tax uses.
Social Security Withdrawal of Application: Form SSA-521 Guide
How a Social Security withdrawal of application works: Form SSA-521, the 12-month deadline, once-per-lifetime rule, full repayment, tax recovery, and Medicare.
What Are Trump Accounts? 2026 Rules Explained
Trump Accounts are new IRA-style savings accounts for children under the One Big Beautiful Bill Act. Learn the $1,000 pilot deposit, $5,000 limit, and 2026 rules.
Capital Gains Distributions: How Fund Payouts Are Taxed 2026
Capital gains distributions are taxed as long-term gains even if your fund lost money. See 2026 rates, why funds must pay them, and how to report them.
How Are ETFs Taxed? 2026 Guide to Distributions, Gains, and Tax Efficiency
How are ETFs taxed in 2026? Learn how ETF distributions, capital gains, in-kind redemption, and the 0%/15%/20% rates work, with primary IRS sources. Educational only.
How Are Mutual Funds Taxed? 2026 Guide
How mutual funds are taxed in 2026: fund distributions vs. selling shares, 0/15/20% long-term rates, the 3.8% NIIT, cost basis, and tax-advantaged accounts.
What Is Form 1099-R? A 2026 Box-by-Box Guide
Form 1099-R reports distributions from pensions, annuities, IRAs, and retirement plans. See what each box and Box 7 code means and when the money is taxable.
How to Report a Roth Conversion on Taxes (2026 Guide)
How to report a Roth conversion on taxes using Form 1099-R, Form 8606 Part II, and Form 1040 lines 4a/4b, with 2026 figures, the pro-rata rule, and a worked example.
How Often Can You Do a Roth Conversion? 2026 Rules
The IRS sets no limit on how often you can do a Roth conversion. See the 2026 rules on frequency, the 5-year clock, taxes, and the December 31 deadline.