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Ed Slott and Company, LLC blogs
05.09.2025
Question: Dear IRA Help, Here is my specific case. I am 84 years old. I opened a Roth IRA on March 30, 2020, with a conversion. I started withdrawing from this conversion on March 10, 2025.
09.09.2025
The end of the year always brings a flurry of retirement account deadlines and planning opportunities. This year is no different. And, new for 2025, the One Big Beautiful Bill Act (OBBBA) brings new considerations, especially for Roth conversion planning.
11.09.2025
As the end of the year approaches, you may have plans to retire on December 31.However, if you are using the “still-working exception” to defer required minimum distributions (RMDs) from your 401(k) (or other company plan), you may want to delay your retirement into 2026.
12.09.2025
QUESTION:I am 67 years old and have a Roth IRA that is over 5 years old. I would like to perform some annual 401(k)-to-Roth IRA conversions before I become subject to required minimum distributions (RMDs) on my 401(k) when I turn age 73. I am aware that I will need to pay income taxes on the conversions themselves, but there is a lot of conflicting information out there on what happens with the earnings on the converted funds after they move to the Roth IRA.