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The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Pacific Empire Financial, deems reliable but in no way does Pacific Empire Financial guarantee its accuracy or completeness. Pacific Empire Financial had no involvement in the creation of the content and did not make any revisions to such content. All such third-party information and statistical data contained herein is subject to change without notice and may not reflect the view or opinions of Pacific Empire Financial. Nothing herein constitutes investment, legal or tax advice or any recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Pacific Empire Financial, execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
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Required Minimum Distributions and IRAs: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: If a client opens an IRA at age 75 and makes a contribution this year, this account would not have a required minimum distribution (RMD) for 2024, correct? Since the IRA did not exist last year, there is no...
4 Things to Know About Rollovers Between Calendar Years
By Sarah Brenner, JD Director of Retirement Education The IRA rollover rules are always tricky. However, if you are rolling over an IRA distribution when the calendar year changes, the rules can become especially challenging. Here are four things you need to...
The QCD Dance
By Andy Ives, CFP®, AIF® IRA Analyst Tis the season for giving, and qualified charitable distributions (QCDs) are a popular way to donate to a favorite charity. However, rules must be followed. In a recent Slott Report entry (“QCD Timing,” December 4), I...
IRA Rollovers and Roth Contributions: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Can a person do a rollover from both his traditional AND Roth IRAs in the same twelve months? Best regards, Matthew Answer: Hi Matthew, The once-per-year rollover rule restricts an individual from...
Who Must Take a 2024 RMD?
By Sarah Brenner, JD Director of Retirement Education The holidays are upon us. There is shopping to do, gifts to wrap, and parties to attend. Amidst the hustle and bustle of the season, you may be forgiven if your retirement account is not at the top of your...
The Still-Working Exception and Roth Conversions in an RMD Year: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: If you continue to work past age 73, are you exempt from required minimum distributions (RMDs)? My 73 year-old wife is still working and contributing to her company’s 401(k), and she doesn’t own more than 5% of the...
QCD Timing
By Andy Ives, CFP®, AIF® IRA Analyst Year after year, this topic continues to bubble up. Confusion exists over when a QCD can be done in relation to the RMD. Qualified charitable distributions (QCDs) can offset all or a portion of an RMD (required minimum...
What We Are Thankful for at The Slott Report
Sarah Brenner, JD Director of Retirement Education Each year it is a Thanksgiving tradition here at the Slott Report to take a moment to give thanks for the rules that are helpful to retirement savers. There are many times when rules governing retirement...
So Many IRA Beneficiary Variables!
By Andy Ives, CFP®, AIF® IRA Analyst When an IRA owner dies, what is the payout schedule for the beneficiary? The key to distinguishing the correct program (i.e., 10-year rule, stretch RMDs, 5-year rule, etc.) is to identify all the important variables. But...
The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Pacific Empire Financial, deems reliable but in no way does Pacific Empire Financial guarantee its accuracy or completeness. Pacific Empire Financial had no involvement in the creation of the content and did not make any revisions to such content. All such third-party information and statistical data contained herein is subject to change without notice and may not reflect the view or opinions of Pacific Empire Financial. Nothing herein constitutes investment, legal or tax advice or any recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Pacific Empire Financial, execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
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