Roth Conversion Before Medicare: Your IRMAA Golden Window
The best Roth conversion years before Medicare are not a fixed age range. The safer way to find your Roth conversion “Golden Window” is to count backward from…
Retirement Planning Archive
Previous retirement articles across income, withdrawals, Social Security, Medicare, IRAs, 401(k)s, annuities and retirement tax planning.
Should You Do a Roth Conversion If It Triggers IRMAA?
A Roth conversion can be worth doing even if it causes higher Medicare IRMAA premiums. The mistake is treating IRMAA as an automatic veto instead of one more…
Should You Delay Social Security to Avoid IRMAA? 62 vs. 70
Delaying Social Security can create more room for Roth conversions before benefits begin. But it can also produce a larger taxable benefit later. Claiming at 62 can reduce…
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…
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…