Roth IRA 5 Year Rule: How the Two Clocks Actually Work
The Roth IRA 5-year rule is not one universal clock. For most Roth IRA owners, there are two different five-year periods to understand: one determines when Roth IRA…
Retirement Planning Archive
Previous retirement articles across income, withdrawals, Social Security, Medicare, IRAs, 401(k)s, annuities and retirement tax planning.
Roth IRA Income Limits for 2026: Can You Contribute?
You got a raise, a bonus landed, or your business had a better year than expected. Normally, that’s good news. Then comes the Roth IRA question: “Did I…
Are Roth IRA Contributions Tax-Deductible? (2026)
No. Roth IRA contributions are not tax-deductible. You fund a Roth IRA with after-tax dollars, so putting $1,000 into a Roth IRA does not subtract $1,000 from your…
Roth IRA Contribution Deadline: 2026 & 2027 Dates
Ever had that sinking feeling around Tax Day? It’s way more common than you think. One of my clients, “Deadline-Danielle,” a sharp project manager, called me in a…
Roth IRA Contributions 2026: Rules, Eligibility & How to Fund
A Roth IRA contribution is new money put directly into a Roth IRA for a specific tax year. For 2026, the IRS says the combined annual limit for…
2026 RMD Tables: How to Calculate Required Minimum Distributions
Alright, let’s looks into Required Minimum Distributions, or RMDs. If you’re cruising into age 73 in 2026, or perhaps you’re already there, Uncle Sam has a yearly to-do list for…
Asset Allocation for Retirees: Stocks, Bonds & Cash
The best asset allocation for a retiree is not determined by age alone. It should reflect how much of your spending must come from the portfolio, how soon…
Will Social Security Run Out? What the 2026 Trustees Report Actually Says
No, Social Security is not projected to run out of money in 2032. The 2026 Social Security Trustees project that the Old-Age and Survivors Insurance (OASI) Trust Fund,…
4% Rule for Retirement: How It Works & When to Adjust
The 4% rule is a retirement-withdrawal starting point, not a promise. The basic idea is simple: withdraw 4% of your portfolio in the first year of retirement, then…
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. It’s the question I heard constantly over 25…