qualified charitable distributions
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When Do RMDs Start for IRAs and 401(k)s?
- October 8, 2025
- Category: Personal Finance, Retirement Planning, Tax Strategies
Executive summary: If you’re wondering, “when do RMDs start,” the short answer is age 73 for most savers born 1951–1959. Your first IRA RMD is due by April 1 of the year after you turn 73, though you can also take it by December 31 of the year you turn 73. For many employer plans,
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Contribute to IRA After Retirement: The Complete Guide
- October 7, 2025
- Category: Personal Finance Strategies, Retirement Planning
Executive summary: You can contribute to IRA after retirement if you have earned income from wages or self-employment. For 2025, the IRA limit is $7,000 ($8,000 if you’re 50+). Roth IRA eligibility depends on your modified adjusted gross income (MAGI). Traditional IRA deductibility depends on workplace plan coverage and income. With smart timing, the right
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401k Rollover to IRA: A Complete, Practical Guide
- October 6, 2025
- Category: Investment Accounts & IRAs, Retirement Planning, Tax & Withdrawal Strategies
Executive summary: A 401k rollover to IRA can cut costs, expand investment choices, and simplify future withdrawals when you do it right. However, timing, tax treatment, access rules, ERISA protections, and employer stock can tilt the decision the other way. This guide shows when a rollover helps, when it hurts, and the steps to complete
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7 Proven Ways to Handle the SECURE Act 10-Year Rule
- September 30, 2025
- Category: Estate Planning, Retirement Planning, Tax Strategies
Executive Summary: For deaths in 2020 or later, most non-spouse heirs who aren’t eligible designated beneficiaries must withdraw the entire inherited IRA by December 31 of the 10th year after the original owner’s death. With a clear plan, the SECURE Act 10-year rule can still help you reduce lifetime taxes, preserve investment growth, and support
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How do retirement account withdrawals affect my Social Security taxes?
- September 8, 2025
- Category: Retirement Planning, Social Security, Tax Strategies
How do retirement account withdrawals affect my Social Security taxes? Quick take: This guide explains how retirement withdrawals affect Social Security taxes via provisional income thresholds, timing, and account type—plus tactics to legally reduce the tax bite. Key takeaways Provisional income determines if up to 50%–85% of benefits become taxable. Traditional IRA/401(k) withdrawals raise AGI