Feature deep-dives, planning guides, and the thinking behind RetirementIQ.
Roth money is tax-free — but only if you understand the three buckets, two 5-year rules, and IRS withdrawal ordering. Get the rules wrong and you'll owe taxes on money you thought was untouchable.
Read post →In 1997 the Roth IRA was a $2,000 savings account with an income cap. A few legislative changes later, it sits at the center of nearly every serious retirement tax strategy. Here's how it got there.
Read post →Seven million Americans on SSDI face a completely different retirement path. Medicare at 24 months, automatic FRA conversion, and tax interactions that nearly every planning tool skips entirely.
Read post →In most couples, one person runs the retirement plan. If that person dies, can the other actually follow it? Here's how to build a roadmap they can open, understand, and share with family or an advisor.
Read post →900,000 Americans are widowed every year. The tax bracket compresses, Social Security drops by nearly half, and expenses barely budge. Most planning tools ignore all of it.
Read post →You're entering Social Security numbers, account balances, and tax details into retirement planning tools. We looked at the privacy policies of four popular tools and compared what they collect, where they store it, and who else gets to see it.
Read post →The order you withdraw from your retirement accounts can cost tens of thousands in unnecessary taxes. Most people don't realize it until they're already paying. Here's how to spot the problem and how RetirementIQ's Strategy Report Card fixes it automatically.
Read post →There are 59 million Americans over 65 and most of them will figure out retirement on their own. Not because they want to, but because the alternative is expensive, invasive, or both. Here's what good planning actually requires, and what it should cost.
Read post →