IRA Blog
Participation in Multiple Retirement Plans
By Andy Ives, CFP®, AIF® IRA Analyst Can a person who works at two different, unrelated companies participate in the retirement plan offered by each of those...
The “Still-Working Exception” and December 31 Retirement
By Ian Berger, JD IRA Analyst 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...
2025 Year-End Retirement Account Deadlines
By Sarah Brenner, JD Director of Retirement Education The end of the year always brings a flurry of retirement account deadlines and planning opportunities. This...
Qualified Distributions and Successor Beneficiaries: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Dear IRA Help, Here is my specific case. I am 84 years old. I opened a Roth IRA on March 30,...
Do QCDs Actually Reduce AGI?
By Andy Ives, CFP®, AIF® IRA Analyst It has come to our attention that confusion exists as to how qualified charitable distributions (QCDs) impact one’s taxes....
Trump Accounts and the Pro-Rata Rule: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: We have two grandchildren. One is 18 years old now, and the other will turn 18 next January (2026). Can you help me...
Avoiding the 10% Early Distribution Penalty for Certain Hardship Withdrawals
By Ian Berger, JD IRA Analyst Most 401(k) plans (as well as 403(b) and 457(b) plans) offer hardship withdrawals while you are still employed. If the withdrawal comes...
Tapping an ESA for Back-to-School Expenses
By Sarah Brenner, JD Director of Retirement Education It’s August and that means it is back-to-school time! The 2025-2026 school year is upon us. Kids are already back...
The Once-Per-Year Rollover Rule and SEP IRA Contributions: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: I recently retired in January and rolled over a lump sum pension from my previous employer into my IRA....