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Most people evaluate Roth conversions the same way.

They run an analysis, compare lifetime taxes with and without conversions, and if the conversion strategy shows lower taxes, they assume it’s autom...

A recent Senate report projects that Medicare Part B premiums could nearly double over the next 10 years. Specifically, annual premiums are expected to rise from around $2,400 today to roughly $5,000 ...

I’ve had thousands of conversations with retirees over the years. And when I look back on those conversations, the same regrets tend to show up again and again.

Some of them are financial. Some of th...

One of the biggest reasons retirees tell me they’re interested in Roth conversions has nothing to do with lowering their own taxes today.

It’s about protecting the surviving spouse.

More specificall...

There’s a proposal in Congress to eliminate the Social Security earnings limit.

And I think it should happen.

For people under full retirement age who want to keep working while collecting benefits,...

Your retirement plan is only as strong as your budget, and that is why a Retirement Budget Calculator is essential. If you retire without a clear, data driven way to estimate your monthly spending nee...

We often hear about the best age to file for Social Security, but hardly anyone talks about the worst ages to file. And knowing what these ages are can be really important before you make your filing ...

The lump sum Social Security strategy is not something I hear many people talking about, but I absolutely think it should be one of the arrows in the quiver for anyone planning out their retirement in...

You can do everything “right” on paper. Save diligently. Invest responsibly. Retire with more than enough money.

And still have your retirement quietly undermined by a few loose ends.

These aren’t d...

When most people run a Roth conversion calculation, they’re trying to answer a single question: Will converting money to a Roth IRA reduce the total taxes I pay over my lifetime? That question matters...