IRA BLOG
When Can I Take an In-Service Withdrawal from My 401(k)?
By Ian Berger, JD IRA Analyst With continuing economic uncertainty, it’s not surprising that the number of employees who need to dip into...
5 Times When You Should Not Name Your Spouse as Beneficiary
By Sarah Brenner, JD Director of Retirement Education While naming a spouse directly as the IRA beneficiary has many advantages and is a...
Penalty-Free Withdrawals of Roth Conversions and the First RMD Year: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: Greetings, In 2025, I converted a traditional IRA to an existing Roth IRA, which I have held for 20 years. I...
IRAs and 401(k) Plans: Different Rules, Different Worlds
By Andy Ives, CFP®, AIF® IRA Analyst At their core, IRAs and 401(k) plans operate in a similar fashion. Contributed dollars avoid taxation until...
8 Questions Answered About the New Mandatory Roth Catch-Up Rule
By Ian Berger, JD IRA Analyst Many employers with company plans, and their recordkeepers, are scrambling to be ready for the...
Eligible Designated Beneficiaries and Inherited Roth IRAs: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: We have a 16-year-old minor inheriting an IRA from her 40-year-old father. Is...
New Code Y is Optional for 2025 QCDs
By Sarah Brenner, JD Director of Retirement Education A few months ago, the IRS introduced a new Code Y for the reporting of qualified...
Eligible Designated Beneficiary Trivia
By Andy Ives, CFP®, AIF® IRA Analyst TRIVIA QUESTION: John is age 40, he has a traditional IRA, and he is updating his beneficiary form. John wants...
Eligible Designated Beneficiaries and Successor Beneficiaries: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: My client is age 71 and divorced. He is the primary beneficiary of his ex-wife’s IRA. She just...
Why the Once-Per-Year Rollover Rule Is Often Misapplied
By Ian Berger, JD IRA Analyst The IRS rollover rules are fraught with complexity. (That’s why we always recommend direct transfers instead of 60-day...
