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Here’s one question that keeps coming up: If I retire in the year when I turn 73 (or older) and want to directly roll over my 401(k) funds to an IRA, do I have to first take a required minimum distribution (RMD) from my 401(k)?

A client did a rollover of after tax funds into a traditional IRA.  Funds have not been co-mingled but have...

Our client has a quarterly QCD set up for his 80% of his RMD in 2025 to go to his...

Original T-IRA owner dies in 2023, before her RBD Daughter, Non-EDB, inherited Daughter dies in 2025 leaving the inherited IRA...

I’m repositioning a client, 70, from a nearly ended 10-year qualified FIA, into a Q FIA that far better serves...

Landmark Legislation Boosts Benefits to Millions of Public Sector Retirees

• GPO Wipeout
• The Hybrid Earner and WEP
• Target Audience
• Refunds Coming
• The No-Check Club: Public Retirees Left Behind
• Show Me the Money
• Case Studies
• The Financial Impact
• Ripple Effects and Unanswered Questions

Executive Summary

Advisor Mailbag

GUEST EXPERT:
Michael O’Leary,

The deadline for most retirement account owners to take their 2025 required minimum distribution (RMD) is December 31, 2025. However, there are good reasons why you should take your RMD now instead of waiting.

If we have a Beneficiary IRA and the non spouse beneficiary is 1 year older than the account holder, we...

2024 Gross business income $21,574 with a net business income AFTER business expenses of $8,940. How much can they contribute...

I have a 403b and a governmental 457b at two different plan providers.  I would like to simplify.  Is it...