63 and Retired: Roth Conversions vs. Tax Gain Harvesting - A Case Study Retirement is a time for relaxation and enjoying the fruits of your labor. But it also brings about a new set of financial considerations, including managing taxes on your retirement savings. As a 63-year-old retiree,...
Vanguard Wellesley Income Fund (VWINX/VWIAX): A Conservative Haven in Uncertain Times? The Vanguard Wellesley Income Fund (VWINX for Investor Shares, VWIAX for Admiral Shares) is a well-known and widely held mutual fund often considered a cornerstone holding for conservative investors and...
Leaving Your IRA to Your Kids? The SECURE Act Just Changed Everything For years, leaving your Individual retirement account (IRA) to your children was a cornerstone of estate planning, often allowing them to stretch out the tax benefits of the account over their entire lifetime. However,...
Rolling Over Funds to SEPIRA: Where to Send Your Rollover Form If you're looking for more control over your retirement savings and considering a Solo 401(k) or Self-Directed IRA (SDIRA), you've likely come across SEPIRA. This guide will help you understand SEPIRA and, most importantly, tell...
Converting $1.5 Million to a Roth IRA in 1 Year? Prepare for Impact (and Opportunity) Converting a significant amount of money, like $1.5 million, to a Roth IRA in a single year is a massive undertaking with significant tax implications. While the allure of tax-free growth and withdrawals...
