Qualify for Roth IRA contributions by lowering your income

If your income is just above the cutoff (MAGI) to qualify for Roth IRA contributions, these strategies will help you meet it ...

A Tax-Smart Plan for In-Retirement Withdrawals in 3 Steps

If you’re over age 73, your first stop for withdrawals is those accounts that carry required minimum distributions, or RMDs, such as traditional IRAs and company retirement plans. (You’ll pay ...

Should You Tap Your Roth IRA, 401(k), or Money-Market Account for Big Home Repairs?

Many big home repairs can’t wait, but your retirement also needs protection. Learn if and when to use cash, a money‑market ...

Here are 5 critical reasons not to convert to a Roth IRA in 2026. It can do more harm than good without you even knowing it

However, keep this in mind: Unlike you, charities won’t have to pay tax on assets withdrawn from a traditional IRA. So if you ...

1 Tax-Free Income Source Every Retiree Should Know About

A Roth IRA is one of the best sources of tax-free income for seniors. Roth IRAs are an alternative to traditional IRA ...

Reverse Rollover: Pre-Tax IRA To 401(k) Transfers

Non-deductible IRA contributions can cause major headaches. Learn how a reverse rollover can avoid the pro-rata rule, ...

We’re in our 80s and considering converting our Roth IRAs now before one of us dies. Will it spare our family a future tax headache?

Tax and estate planning isn’t for the faint of heart.
OutSmart Magazine

2026 Retirement Contribution Limits Offer Key Saving Opportunities

As we begin 2026, the Internal Revenue Service (IRS) has released its updated retirement-plan contribution limits, adjusting key thresholds to keep pace with inflation and support Americans in ...