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What Is a Backdoor Roth IRA? A Plain-English Guide for the Self-Employed
1+ hour, 12+ min ago (873+ words) A backdoor Roth IRA is a two-step process that lets high-income self-employed pros and other earners legally fund a Roth IRA even when their income is above the direct contribution limits. In plain English, you contribute to a traditional IRA…...
The Roth Conversion Mistake That Cost an Early Retiree Couple $86, 400 in ACA Premium Tax Credits Before They Realized They Lost the Subsidy
2+ hour, 4+ min ago (479+ words) Roth conversions for early retirees on ACA marketplace plans can trigger a hidden 38% effective tax rate when premium subsidies are clawed back, not the advertised 22% bracket rate, costing couples up to $86, 400 in lost credits over seven years before Medicare at…...
Philly could automatically enroll 200, 000 workers in retirement plans
3+ hour, 17+ min ago (1301+ words) It's pretty easy to set up a retirement savings account that will provide some extra money when you're older " and give you a tax break along the way. Many people do so through their jobs, while others go online and…...
New Research Finds Strong Target Date Fund Retention Among Retirement Investors
3+ hour, 21+ min ago (218+ words) May 28, 2026, 12: 56 ET The study looks at the behavior of 700, 000 participants who were fully invested in TDFs at year-end 2016, and'follows them through year-end 2022. The results offer a clearer picture of the durability and flexibility of TDF investing. It finds that full-TDF…...
Can your Social Security be garnished after age 70?
3+ hour, 59+ min ago (262+ words) May 28, 2026 / 12: 19 PM EDT / CBS News That increased financial pressure has led to growing concern about what assets creditors can and can't access later in life. For retirees who rely heavily on Social Security income each month, one question has become…...
Gen Z vs. boomers: What each generation thinks about long-term investing
5+ hour, 19+ min ago (335+ words) The Motley Fool reports that both Gen Z and baby boomers favor stocks for long-term investing, but their strategies and preferences differ significantly....
The Hidden $20, 000 IRMAA Cliff a Retired Couple Walked Into After One Roth Conversion in the Wrong Year
5+ hour, 5+ min ago (535+ words) IRMAA works as a cliff. Cross a bracket by a single dollar and your premium jumps for the entire year. If you are between 60 and 64 and considering a Roth conversion, pull your projected MAGI before you proceed" " Couple in kitchen…...
Smart Strategies for Dealing With the IRA 10-Year Rule - AOL
3+ week, 3+ day ago (428+ words) Some groups -- like surviving spouses -- are exempt from the 10-year rule. Once withdrawn, every IRA dollar is treated as ordinary income. It's a good idea to strategize a plan that leads to paying less in taxes. The SECURE Act of…...
Roth Conversions: How to Do It Without Getting a Tax Shock
2+ hour, 11+ min ago (224+ words) The idea of tax-free withdrawals from a retirement account can be very enticing. And you can accomplish that with a Roth IRA. But you can manage the taxation of a Roth conversion by making partial conversions over time. Some advisers…...
6 steps to help max out your retirement savings
1+ day, 1+ hour ago (1884+ words) Great, you have saved this article to you My Learn Profile page. ALEX ROCA: Hello. And thank you for joining Women Talk Money. My name is Alex Roca, and I will be hosting today's conversation around retirement. Joining me for…...