Aug 17, 2026
By Ian Berger, JD IRA Analyst Recent IRS guidance confirms that any employer that wishes to make employer contributions to Trump accounts must comply with several administrative requirements. Especially for small employers, these requirements are likely to be...
Aug 13, 2026
By Ian Berger, JD IRA Analyst QUESTION: Does each conversion from a traditional IRA to a Roth IRA require a five-year holding period? I have made several conversions and know that taxes are due when conversions are done. But how long must each conversion remain in the...
Aug 12, 2026
By Sarah Brenner, JD Director of Retirement Education The SECURE Act, the SECURE 2.0 Act, and subsequent regulations have brought us a complex set of rules for IRA beneficiaries, including trusts. Only individuals who are named on the IRA beneficiary form (or named...
Aug 10, 2026
By Andy Ives, CFP®, AIF® IRA Analyst Anyone with a traditional IRA can do a Roth conversion. As long as the funds are eligible to be rolled over, they can be converted. With a Roth conversion, traditional IRA funds are moved into a Roth IRA. This movement of funds is...
Aug 6, 2026
By Sarah Brenner, JD Director of Retirement Education QUESTION: Does the SECURE Act’s 10-year rule apply to inherited Roth IRAs? ANSWER: Yes, the SECURE Act’s 10-year rule also applies to inherited Roth IRAs for non-eligible designated beneficiaries (NEDBs). That...
Aug 5, 2026
By Ian Berger, JD IRA Analyst How well are your retirement plan account funds protected from creditors? The answer depends on which kind of creditors you are worried about. There are two types of creditors that might be coming after your retirement savings. The first...
