Blogs
“Third-Party Posts”
Retirees’ Credit Card Debt Levels Are Climbing
Key Takeaways An Employee Benefit Research Institute survey found that more than two-thirds of retirees had outstanding credit card debt in 2024, up from 40% in 2022....
Key Takeaways Some provisions related to the Secure 2.0, a federal retirement law, will go into effect in 2025. Workers ages 60, 61, 62, or 63 will be able to make...
Retirement Vs. Resignation: Which Is Better?
Retirement Vs. Resignation: Which Is Better? There is a big difference between retirement and resignation. However, both involve leaving your place of work. If you...
6 End-of-Year Retirement Deadlines You Shouldn’t Miss for 2024
Navigate these tax and retirement milestones to optimize savings and avoid penalties. Staying on top of year-end tasks helps you avoid penalties and take full advantage...
Three Changes Coming for Social Security in 2025
The Social Security Administration has announced the 2025 final COLA, wage cap, and amount needed to earn SS credits. Anticipating changes coming to Social Security in...
7 Things You’ll Be Happy You Downgraded in Retirement
Downsizing for retirement is a good way to simplify your life and cut down on expenses. Making some key changes, like moving into a smaller home, could reduce financial...
Why Your Current Retirement Plan May Not Be Enough in 2025
Retirement: the wonderful time of life when you no longer have to work for your money. Instead, your money is finally working for you. If you’re well on your way to...
Key change coming for 401(k) ‘max savers’ in 2025, expert says — here’s what you need to know
Key Points Many Americans face a retirement savings shortfall, but setting aside more could get easier for some older workers in 2025. Enacted in 2022, the Secure Act...
What the Fed’s Rate Cut Means for You
The Federal Reserve just reduced interest rates for the first time in four years. Here’s how it will impact borrowers and saver What goes up must come down, and after...
Weekly Market Commentary
-Darren Leavitt, CFA The holiday-shortened week saw the S&P 500 and Dow rise to new all-time highs. Investors cheered the nomination of Scott Bessent as Treasury...
Weekly Market Commentary
-Darren Leavitt, CFA Markets bounced back as investors reengaged the pro-growth Trump 2.0 trade. President-elect Trump continued to fill out his cabinet and, late...
Weekly Market Commentary
-Darren Leavitt, CFA US equity markets pulled back last week as investors took profits from the outsized move higher seen following the US election. Sticky inflation...
Weekly Market Commentary
-Darren Leavitt, CFA The S&P 500 notched its 50th all-time high of 2024 as investors piled into equities after a decisive US election. Wall Street embraced the...
Weekly Market Commentary
-Darren Leavitt, CFA It was a very busy week on Wall Street as investors analyzed a deluge of corporate earnings reports and a full economic data calendar. The S&P...
Weekly Market Commentary
-Darren Leavitt, CFA Global markets pulled back last week as investors took the opportunity to reduce some risk before a very close US Presidential election. In the US,...
Weekly Market Commentary
-Darren Leavitt, CFA The S&P 500 advanced for the sixth consecutive week, closing at a new record high. This week, a broadening out of the market’s rally was...
Weekly Market Commentary
-Darren Leavitt, CFA The S&P 500 and Dow Jones Industrial Average forged another set of all-time highs despite facing several macro headwinds. Chinese markets...
-Darren Leavitt, CFA The S&P 500 closed higher for a fourth consecutive quarter, the first time it has done so since 2011. Investors continued to face a challenging...
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State Tax Treatment of 529-to-Roth IRA Rollovers
By Ian Berger, JD IRA Analyst By now, most of you probably know about the SECURE 2.0 Act provision permitting 529 funds to be rolled over to Roth IRAs. Because of this...
Roth Conversions and Qualified Charitable Distributions: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Hello Ed Slott Team! I have been doing backdoor Roth IRA conversions for years now. I recently inherited...
5 Steps for Tax-Free Roth IRA Distributions
By Sarah Brenner, JD Director of Retirement Education The benefit of funding a Roth IRA is the availability of tax-free distributions in the future. You pay taxes now...
401(k) RMD Rollover Problems…and a Last-Minute Save!
By Andy Ives, CFP®, AIF® IRA Analyst 401(k) custodians are usually pretty good about distributing required minimum distributions (RMDs) from the plans they oversee....
Another Way to Lose IRA Bankruptcy Protection
By Ian Berger, JD IRA Analyst Normally, if you declare bankruptcy, your IRA funds (traditional and Roth) are completely off limits to bankruptcy creditors. But a recent...
October 15 Deadlines Are Approaching
By Sarah Brenner, JD Director of Retirement Education October is almost here. This means fall is in full swing. Along with pumpkin spice lattes, football season, and...
IRA Beneficiaries and Roth Conversions: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: My father passed away in November 2021. I became disabled in April 2022. Am I now an eligible designated beneficiary...
“IRA Distribution Confusion”
By Andy Ives, CFP®, AIF® IRA Analyst Traditional and Roth IRA owners often get confused about the distributions they take from their IRAs. Mix-ups and misunderstandings...
IRS Confirms Effective Date of Mandatory Roth Catch-Up Rule
By Ian Berger, JD IRA Analyst In final regulations issued on September 15, 2025, the IRS confirmed that company retirement plans must comply with the SECURE 2.0 Act’s...