When it comes to retirement planning, few voices are as respected as Tom Hegna’s. An economist, author, and retired Army Lieutenant Colonel, Tom is best known for his books Paychecks and Playchecks...

If you’ve been thinking about doing a Roth conversion, you’re not alone. Many retirees are waking up to the fact that our country is carrying massive debt and tax rates are historically low — but n...

Are Insurance Companies Safe for Retirement Income?

One of the most common questions I hear is this: What if the insurance company goes bankrupt?

It’s a valid concern. After all, if you’re going ...

When Sally retired at 62 with a $1 million IRA, she was proud of what she’d built — until she realized how much of it the IRS could eventually claim.

In this case study, we’ll walk through Sally’s...

If you’re approaching or already in retirement, there’s a hidden cost most people don’t find out about until it’s already eating away at their income: IRMAA.

IRMAA stands for Income-Related Monthl...

If you’ve saved over $1 million in a traditional IRA, congratulations — that’s no small feat.

But there’s a problem most people don’t see coming: the IRS already has a plan for your money. And it ...