Blogs
“Third-Party Posts”
The Retirement Expense Many Families Forget to Plan For
Why Long-Term Care Deserves a Place in Your Financial Strategy Most people spend years preparing for retirement. They estimate how much income they may need, decide...
Your Retirement Plan May Look Complete—But Is It Truly Connected?
Most people do not build their retirement strategy all at once. They accumulate different financial products and accounts throughout their lives. A 401(k) may come from...
The Human Advantage: Why Financial Advice Matters More in the Age of AI
Artificial intelligence is changing nearly every industry, and financial services are no exception. Today, consumers have access to sophisticated calculators,...
Fixed Indexed Annuities: A Retirement Strategy Designed for Growth Potential Without Direct Market Risk
As retirement approaches, one question becomes increasingly important: How do you continue growing your retirement savings while protecting what you've worked so hard...
Life Insurance in 2026: It’s More Than a Death Benefit
When many people hear the words "life insurance," they immediately think about protecting loved ones after they're gone. While that remains one of its most important...
How a Fixed Indexed Annuity Can Work for You in 2026
As Americans continue preparing for retirement in an uncertain economic environment, many are looking for ways to protect their savings while still having the...
The Biggest Retirement Risk Isn’t the Market—It’s Having No Plan
When people think about retirement, they often focus on one thing: the stock market. They worry about the next downturn, the next recession, or the next headline...
Why Financial Confidence Starts With a Plan, Not a Product
Retirement isn't built on luck—it’s built on preparation. While investment performance, insurance coverage, and market conditions all play important roles, one factor...
Why a Retirement Income Plan Matters More Than Your Investment Returns
Many people spend decades focused on growing their retirement savings. They watch the markets, contribute to retirement accounts, and celebrate when their balances...
Weekly Market Commentary
US equity markets took a step back last week in what turned out to be a very busy week. Increased yields on the long end of the curve prompted Treasury Secretary Scott...
Weekly Market Commentary
The S&P 500 forged a new all-time high as investors recalibrated interest-rate-hike expectations after an in-line print of the Consumer Price Index and a...
Weekly Market Commentary
Giddy up! US equity markets ripped higher in the first week of August as 2nd quarter earnings continued to impress. According to FactSet, 88% of the S&P 500 have...
Weekly Market Commentary
It was an extremely busy week on Wall Street, with investors having to assess increased geopolitical tensions in the Middle East alongside a deluge of corporate...
Weekly Market Commentary
US equity indices declined for a second consecutive week despite a strong start to second-quarter earnings. With just over 25% of the S&P 500 reporting, top- and...
Weekly Market Commentary
Markets took a step back last week despite a better-than-expected start to second-quarter earnings and benign inflation data. Semiconductor names continued to come...
US markets finished the week mixed in volatile trade. The rotation from technology into other parts of the market reversed this week, as leadership from mega-cap tech...
Weekly Market Commentary
The holiday-shortened week saw the end to the best 2nd quarter in six years as the S&P 500 added over $8 trillion in market value. The Semiconductor sector...
Weekly Market Commentary
Markets finished the week mixed, with a noticeable rotation out of mega-cap technology issues to healthcare, real estate, and consumer staples. Concerns about the...
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Can I Do a Roth Conversion With No Earned Income?: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Can I convert my traditional IRA to a Roth IRA even though I have no earned income for this year?...
IRS Issues Guidance on Permissible Trump Account Investments
By Ian Berger, JD IRA Analyst One of the most important features of Trump accounts is that they must be invested a certain way during the period before January 1 of the...
Avoid These 4 Common IRA Trust Mistakes
By Sarah Brenner, JD Director of Retirement Education Naming a trust as your IRA beneficiary can help you meet important estate planning goals. However, if you are...
Inherited Roth IRAs and Contributions: today’s Slott Report Mailbag
Andy Ives, CFP®, AIF® IRA Analyst QUESTION: I inherited a Roth IRA from a sister who was one year younger than me. If I choose to stretch distributions over my life...
Roth Distribution Rules: IRAs vs. Plans
By Andy Ives, CFP®, AIF® IRA Analyst The foundational premise of a Roth IRA and a Roth 401(k) is the same – after-tax dollars go into the Roth account (either via...
IRS Issues Guidance on Trump Account Employer Contributions
By Ian Berger, JD IRA Analyst Recent IRS guidance confirms that any employer that wishes to make employer contributions to Trump accounts must comply with several...
The Five-Year Holding Period for Roth IRA Conversions: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst QUESTION: Does each conversion from a traditional IRA to a Roth IRA require a five-year holding period? I have made several conversions...
The Look-Through Rules for Trusts
By Sarah Brenner, JD Director of Retirement Education The SECURE Act, the SECURE 2.0 Act, and subsequent regulations have brought us a complex set of rules for IRA...
The Roth Conversion Transaction Custodians Dislike
By Andy Ives, CFP®, AIF® IRA Analyst Anyone with a traditional IRA can do a Roth conversion. As long as the funds are eligible to be rolled over, they can be converted....