Suze Orman Shows Exact Steps on a Roth Conversion Now
Retirees with seven-figure 401(k) balances face rising RMD pressures. A new, streamlined Roth conversion path is gain...
tax-strategy
Explore tax-strategy topics with four articles that explain retiree tax tips, saving strategies, and planning realities. Learn practical steps to lower taxes and protect retirement income.
118 articles
Locked Into Lower Social? The 12-Month Fix You Need Now
A narrow SSA-521 window lets you undo an early Social Security filing, repay benefits received, and refile later for ...
Domicile Change That Cuts a Pension Tax Bill to Zero
Retirees with large pensions are exploring domicile changes to Florida and other states to wipe out California state ...
64-Year-Old Single Restaurant Owner Finds Tax Strategy
A 64-year-old single restaurant owner selling a $1.2 million business discovers 1031 rules won’t cover all gains; a t...
Cash Balance Plan Shields $312K for 58-Year-Old Solo
A 58-year-old solo consultant uses a cash balance plan atop a SOLO 401(K) to boost pre-tax retirement sheltering to o...
The $120,000 Roth Strategy That Slashes Retirement Taxes
A self-employed architect plans a four-bucket retirement strategy that shifts income across Roth, HSA, and pretax acc...
Retiring with $2.4 Million: Caregiver Costs Loom Ahead
A 65-year-old retiree with $2.4 million uncovers a looming $58,000-a-year caregiver bill for an aging parent, prompti...
Retirees Realize Nest Only: $3M Portfolio Real Spending
A $3 million retirement portfolio at 70 yields about $69k in real annual spending after taxes and health costs, chall...
401(K) Roth: Which Strategy Wins in Tax Time 2026
As tax policy and market conditions evolve, a single variable—current versus retirement tax rate—drives whether tradi...
Municipal Bonds Belong Taxable? Fresh Debate Shifts
In a shifting rate environment, investors weigh after-tax returns. Some Schwab analysts argue that municipal bonds be...
Mega Backdoor Roth Move Lets Couples Stack $94K Tax-Free
A married pair earning $185,000 apiece can unlock about $94,000 in new Roth space in a single year by combining after...
Roth Plan for Year with $2.2 Million in 401(K) Balance
A high-earning worker with a $2.2 million 401(K) balance faces a five-year choice on Roth conversion. Experts say tim...