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IRA BLOG
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72(t) On a Roth IRA?
By Andy Ives, CFP®, AIF® IRA Analyst The 72(t) rules (“series of substantially equal periodic payments”) allow a person to tap retirement dollars before age 59½ without a 10% early distribution penalty. However, to gain early access to the funds, the IRA owner must...
Medicare Open Enrollment 2027: 7 Things to Review Before December 7
Medicare Open Enrollment is one of the most important times of the year for people who already have Medicare. From October 15 through December 7, 2026, Medicare beneficiaries have an opportunity to review their current coverage and make changes for 2027. Any coverage...
Qualified Charitable Distributions and the 10-Year Rule: Today’s Slott Report Mailbag
Andy Ives, CFP®, AIF® IRA Analyst QUESTION: I did a qualified charitable distribution (QCD) in early January of 2026 to cover a portion of my required minimum distribution (RMD), then took the rest of the RMD before I processed a Roth conversion. Am I now allowed to...
How the Once-Per-Year Rollover Rule Works and How to Avoid It
By Ian Berger, JD IRA Analyst One of the mantras we have here at Ed Slott & Company is: “Don’t do 60-day rollovers. Do direct transfers instead.” The reason? 60-day rollovers between IRAs are subject to several rules that have serious tax consequences if not...
Before Your Next Appointment: 5 Medicare Questions That Can Help Prevent Costly Surprises
You schedule an appointment, hand over your insurance card, and assume your coverage will take care of the rest. Then a bill arrives—or the pharmacy tells you that your new prescription needs approval. Understanding your Medicare coverage before you use it can help...
Three IRA Transactions You Must Do by October 15
By Sarah Brenner, JD Director of Retirement Education Fall is in full swing and October is almost upon us. That means that an important IRA deadline looms just ahead. Here are three transactions you must get done by October 15, 2026. 1. Make a SEP IRA contribution for...
Do Inherited Roth IRA Beneficiaries Have RMDs?: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst QUESTION: I really enjoy reading the Slott Report articles, but I’m confused about the inherited Roth IRA required minimum distributions (RMD) explanations. My understanding was Roth IRAs do not have RMDs even when inherited. Am I...
NUA: Average Cost Basis vs. Specific Identification
By Andy Ives, CFP®, AIF® IRA Analyst For those workplace retirement plan participants fortunate enough to own highly appreciated company stock in their plan – like a 401(k) or ESOP – the net unrealized appreciation (NUA) strategy may be available. NUA allows a person...
Your Medicare Plan Changed. Did You Notice?
You recognize the insurance company. You have the same membership card. Your coverage has worked well so far. But does it still fit the year ahead? It is easy to treat Medicare coverage as a decision you have already finished. Yet a plan that met your needs last year...
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