Our Latest
Articles
Transfer Stock to IRA: What the IRS Allows in 2026 (and What It Doesn’t)
You cannot transfer stock to an IRA as a contribution, but you can move shares in kind between retirement accounts, and that distinction decides whether […]
Solo 401(k) Loan Rules: 2026 Limits, Repayment and Default Traps
Solo 401(k) loan rules allow borrowing up to $50,000, but only when the plan document includes loan provisions. A solo 401(k) loan is allowed only […]
SIMPLE IRA Eligibility Rules: Who Qualifies in 2026 (Employers, Employees and Owners)
SIMPLE IRA eligibility rules come down to two tests: the business needs 100 or fewer employees earning $5,000 or more, and each worker must earn […]
Should I Stop Contributing to My 401(k)? A 2026 Decision Framework
Should I stop contributing to my 401(k)? For most workers the better question is how far to reduce, because the last dollars below the employer […]
What Is the Penalty for Filing Single When Married? 2026 Rules, Costs and Fixes
The penalty for filing single when married is usually the extra tax plus interest, with a 20% accuracy-related penalty when the error was careless or […]
Long-Term Part-Time Employees Under SECURE 2.0: 2026 401(k) and 403(b) Rules
Long-term part-time employees under SECURE 2.0 earn the right to make 401(k) deferrals after two straight years of at least 500 hours, but they do […]
Is RMD Considered Earned Income? No, and Here Is Why It Matters in 2026
An RMD is not considered earned income, but it is fully taxable ordinary income that reaches Social Security taxes, Medicare premiums and IRA eligibility. No. […]
IRS Form 5329 Waiver of Penalty: How to Get a Missed RMD Excise Tax Waived (2026)
An IRS Form 5329 waiver of penalty can erase the entire 25% excise tax on a missed RMD, and the request costs nothing to file. […]
How to Report an RMD on Your Tax Return: Form 1099-R to Form 1040, Line by Line
Reporting an RMD on your tax return takes one Form 1099-R and two lines of Form 1040, but one checkbox decides which lines you use […]
How to Convert a 401(k) to Real Estate Without a Penalty: 5 Ways to Invest
Converting a 401(k) to real estate without a penalty comes down to one rule: the money has to stay inside a retirement account, or you […]