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Best matches for “RMDs”
Do Non Qualified Annuities Have RMDs? The Rule That Actually Matters
No. A personally owned non-qualified annuity generally does not have required minimum distributions during the owner’s lifetime. The confusion starts because the word annuity describes the contract, while RMD rules usually follow the tax…
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Can You Combine RMDs? IRA & 403(b) Aggregation Rules
Yes, you can combine some RMDs, but not all of them. For your own traditional, SEP, and SIMPLE IRAs, you calculate the required minimum distribution for each IRA separately, then you can generally take…
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How to Avoid IRMAA in 2026: Medicare Planning Guide
You can sometimes avoid or reduce IRMAA, but the right move depends on which IRMAA clock you are trying to change. Medicare normally uses modified adjusted gross income from two years earlier, so lowering…
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How Much Roth Can You Convert Before IRMAA?
If you are doing a Roth conversion in 2026, there is an important problem with the usual “stay under the IRMAA line” advice: the official IRMAA line that will usually matter is not known…
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How Much Do I Need to Retire at 65? A Financial Planner’s Perspective
If you find yourself asking, “How much do I need to retire at 65?” the real question is not whether you have $500,000, $1 million, or $2 million saved. It is whether your savings…
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Does NUA Affect IRMAA? The Timing Trap Most Retirees Miss
I got an email recently with a very specific question: Does NUA affect IRMAA? Yes, it can. The part people miss is when. The taxable cost basis of employer stock can raise AGI in…
Open result2026 Tax Brackets & Financial Limits: IRS, SSA & Medicare
See official 2026 federal tax brackets, the standard deduction, retirement and HSA limits, Social Security, Medicare premiums and IRMAA thresholds in one decision-first reference.
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Ask Michael Ryan: Get Help With Your Money Question
ASK MICHAEL RYAN Start with the money question that is actually bothering you. Retirement. Social Security. Medicare. Roth conversions. Estate planning. Taxes. Investing. Cash flow. Ask the Michael Ryan Money Assistant for a plain-English…
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Fixed Annuities Pros and Cons: Are They Right for You?
A fixed annuity can be a good fit if you want a contractually guaranteed interest rate and can leave that money alone through the surrender period. It is a poor fit if you need…
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Asset Location: Where to Hold Investments for Lower Taxes
Asset location decides which account holds your stocks, bonds and funds. Compare taxable, traditional and Roth tradeoffs, including IRMAA, RMDs and liquidity.
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