Could I Have Done a Better Job of Tax Planning Before I Retired?
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It’s that time of year again: income tax time. And I can’t be sure, but I think many retirees are generally more concerned about taxes in retirement than when working.…
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The Secure Act 2.0 May Have Passed While You Weren’t Looking
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The Secure Act 2.0 was finally passed as just one part of a massive funding package by the outgoing congress just before Christmas on December 23, 2022, and signed into…
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Looking Forward to Making Qualified Charitable Distributions (QCDs)
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Now that I’ve reached age 70, I’m looking forward to getting just a little older. Why? Because when I reach age 70½, I’ll be eligible to make Qualified Charitable Distributions…
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Thinking (But Not Too Concerned) About RMDs
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If you read much about retirement finance, you’ll see a lot of hyperbolic rhetoric about “Required Minimum Distributions,” or “RMDs.” You’d think RMDs are going to sneak up on you…
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Beware the Free Steak Dinner and Financial Advice Retirement Seminar
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I recently received another one: an invitation in the mail to a “free dinner and retirement discussion.” It seems like I’ve been averaging one every few weeks or so. (My…
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Retirement Account Rollovers and Transfers—You’ve Got to get it Right (Part Two)
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This article is the second of two about retirement account transfers and rollovers. First, we focused on transfers, which I defined as moving assets between two of the same type…
