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Roth IRA Five Year Rule – Roth IRA Withdrawal Rules

After almost 30 years helping folks navigate their financial planning. And the Roth IRA 5-year rule consistently sparks a barrage of questions. Just last...

Roth IRA Five Year Rule – Roth IRA Withdrawal Rules

After almost 30 years helping folks navigate their financial planning. And the Roth IRA 5-year rule consistently sparks a barrage of questions. Just last...

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Roth IRA Five Year Rule – Roth IRA Withdrawal Rules

After almost 30 years helping folks navigate their financial planning. And the Roth IRA 5-year rule consistently sparks a barrage of questions. Just last...

Roth IRA Income Limits 2025 & 2026: Your Ultimate Guide to Maxing Out Tax-Free Savings!

Let's get one thing straight: theย Roth IRAย is one of the most powerful retirement savings tools ever created by Congress. Tax-free growth, tax-free withdrawals in...

The Big Question: Is a Roth IRA Pre-Tax? Are Contributions Tax-Deductible? Spoiler: It’s Not.

Letโ€™s rip the Band-Aid off right away: No, Roth IRA contributions are NOT pre-tax, and they are absolutely NOT tax-deductible. There it is. Plain and simple. If...

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Ultimate Saving For Retirement Calculator: Are You Truly Ready?

Alright, let's talk retirement savings. You're likely here because you're wondering, maybe even worrying, if you're actually putting away enough. Itโ€™s the question I...

How To Start a Roth IRA Guide for 2025: Stop Dreaming. Start Building

Is starting the biggest hurdle keeping you from a secure retirement? Forget generic advice. Letโ€™s get specific. I've helped thousands just like you take their first Roth...

Beagle 401k Review (2025): Legit Service or Overhyped for Finding Lost 401(k)s?

Finding your old 401k accounts can feel like searching for a needle in a haystack. But locating those lost funds is crucial for your...

403(b) Retirement Savings Calculator: Maximize Your Retirement Funds

Hello and welcome! I'm Michael Ryan, a retired financial planner with over 25 years of experience. I'm ere to guide you through the intricacies...

2025 RMD Calculator & IRS Rules: How to Avoid Penalties & Optimize Withdrawals

Need to calculate your 20204 and/or 2025 RMD? Use our calculator below for a quick estimate, then read on for professional insights on avoiding...

How to Take Advantage Of Deferred Restricted Stock Units? A Financial Planner’s RSU Guide (2025)

Ever glanced at your compensation statement, seen terms like "RSU Deferral Election," and felt a wave of confusion? Think you're alone? Equity compensation is a...

Inherited IRA RMD Rules in 2025: What Beneficiaries Must Know

Imagine inheriting a substantial IRA from a loved one, only to face unexpected tax bills that erode your newfound wealth. In 2025, navigating the...

Do Non-Qualified Annuities Have RMDs? A Planner’s Guide (2025)

Imagine reaching age 73 and having the flexibility to keep your money growing tax-deferred, instead of the IRS forcing you to withdraw it. That's...

The Spousal IRA: A Complete Guide for Married Couples (2025)

Does your spouse stay home to raise the kids or manage the household? Did they take a career break for school, or do they...

Is Your RMD Considered Earned Income? What Every Retiree Must Know for 2025

Imagine you've spent decades carefully saving for retirement. Your nest egg is ready. But then, a not-so-welcome surprise arrives: your first Required Minimum Distribution...