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 ...

If you’ve been thinking about a Roth conversion, the years 2025 through 2028 may be the most important window you’ll ever get — especially if you have a large IRA or 401(k).

Why? Because the One B...