IRA BLOG

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What We Are Thankful for at The Slott Report

Sarah Brenner, JD Director of Retirement Education Each year it is a Thanksgiving tradition here at the Slott Report to take a moment to give thanks for the rules that are helpful to retirement savers. There are many times when rules governing retirement accounts can...

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So Many IRA Beneficiary Variables!

By Andy Ives, CFP®, AIF® IRA Analyst   When an IRA owner dies, what is the payout schedule for the beneficiary? The key to distinguishing the correct program (i.e., 10-year rule, stretch RMDs, 5-year rule, etc.) is to identify all the important variables. But...

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Nothing SIMPLE About It: 3 Different Catch-Up Limits for 2025

Ian Berger, JD IRA Analyst Here’s something you can only find in the Internal Revenue Code: Starting in 2025, there will be not one, not two, but three different catch-up limits for older SIMPLE IRA participants. Like IRAs and workplace plans like 401(k)s, SIMPLE IRAs...

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Tax-Free HSA Distributions

By Sarah Brenner, JD Director of Retirement Education   Health Savings Accounts (HSAs) continue to become more popular. If you have a qualifying high deductible health plan, you may make deductible contributions to an HSA. Then, you can take tax-free...

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Roth IRA Conversion Considerations

By Andy Ives, CFP®, AIF® IRA Analyst   Roth IRA conversions remain as popular as ever. However, based on some recent questions we’ve received, it is apparent that folks don’t fully understand all the nuances of this transaction. Here are some of the basic...

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Annual RMDs For Certain Beneficiaries Kick in Soon

By Ian Berger, JD IRA Analyst   The get-out-of-jail card that has allowed many IRA and plan beneficiaries to forego annual required minimum distributions (RMDs) is about to expire. Here’s some background: In its 2022 proposed regulations, the IRS took the...

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Annual RMDs For Certain Beneficiaries Kick in Soon

By Ian Berger, JD IRA Analyst   The get-out-of-jail card that has allowed many IRA and plan beneficiaries to forego annual required minimum distributions (RMDs) is about to expire. Here’s some background: In its 2022 proposed regulations, the IRS took the...

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