“Third-Party Posts”
The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Foundations Investment Advisors, LLC (“Foundations”), deems reliable but in no way does Foundations guarantee its accuracy or completeness. Foundations 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 Foundations. 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 Foundations, execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
3 Changes Coming To Retirement Required Minimum Distributions in 2025
Saving and investing early, often, and continuously throughout your entire working career is absolutely critical to securing your financial future in retirement. Making contributions to your 401(k) or IRA provides tax benefits, allowing you to defer taxes owed on your...
3 Changes Are Coming to 401(k) Plans in 2025
Three significant 401(k) plan changes coming in 2025 are worth paying attention to, regardless of when you plan to retire, whether you work full-time or part-time, or whether you even have a 401(k) yet. In late 2022, Congress passed a law to help savers build their...
6 Retirement Savings Changes To Expect in 2025
Big changes are coming to retirement savings in 2025. The shifts in retirement planning come after Congress passed the Setting Every Community Up for Retirement Enhancement Act (SECURE Act) in 2019 and its 2022 follow-up, the SECURE 2.0, which further expanded and...
7 Things to Know About Working While Getting Social Security
If you claim benefits early, income from work can reduce your monthly payments “Retirement” used to be synonymous with “not working.” Not anymore. More than a quarter of U.S. adults ages 65 to 74 are still in the workforce, according to the federal Bureau of Labor...
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IRS Addresses Unanswered Questions About Trump Accounts
Ian Berger, JD IRA Analyst As is often the case with new legislation, the One Big Beautiful Bill Act (OBBBA) left unanswered a number of questions about Trump Accounts, the new savings vehicle for children. Some of those questions were discussed in a Slott...
First-Time Required Minimum Distributions and Qualified Charitable Distributions: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: My client turns age 73 in November 2026. If he takes his first required minimum distribution (RMD) in December 2026 rather than waiting until April 1, 2027, what balance is used to do the RMD calculation? Thanks...
New IRS Guidance on Trump Accounts Is Released
Sarah Brenner, JD Director of Retirement Education The IRS has issued guidance on Trump Accounts, which are new tax advantaged accounts for children established as part of the One Big Beautiful Bill Act (OBBBA). Trump Accounts are scheduled to become available...
Yes, RMDs Apply to Inherited Roth IRAs, But…
By Andy Ives, CFP®, AIF® IRA Analyst We have written about this topic in The Slott Report before (“Inherited Roth IRA: RMDs or No?” – May 15, 2023), yet the questions continue to roll in. Yes, required minimum distributions (RMDs). DO APPLY to inherited Roth...
Stretch RMDs and Roth Conversions: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: Hello Ed, I have been a fan of yours for a long time (and the owner of a copy of The Retirement Savings Time Bomb) and have always appreciated your insights. We have a client who is age 58 years and is the sole beneficiary of a...
The Crazy-Complicated 2026 SIMPLE IRA Plan Elective Deferral Limits
Ian Berger, JD IRA Analyst Since 2002, SIMPLE IRA plans have allowed employees who reach age 50 or older by the end of the year to make “catch-up contributions” beyond the usual elective deferral limit. Beginning in 2024, Congress automatically increased the regular...
Who Needs to Take a 2025 RMD?
By Sarah Brenner, JD Director of Retirement Education As the calendar runs out on 2025, retirement account owners and beneficiaries may face a looming deadline. December 31 is the deadline for many to take 2025 required minimum distributions (RMDs). Test your...
The Slott Report Gives Thanks
By Andy Ives, CFP®, AIF® IRA Analyst Thanksgiving Season is upon us! Here at The Slott Report, we are thankful for many things: We are thankful to have a platform to share all the important IRA and retirement account information about which we write. We are thankful...
IRA and Retirement Plan Dollar Limits Increased for 2026
By Ian Berger, JD IRA Analyst The IRS has released the cost-of-living adjustments (COLAs) for retirement accounts for 2026, and many of the dollar limits will increase next year. Retirement Plans The elective deferral limit for employees who participate in...
The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Foundations Investment Advisors, LLC (“Foundations”), deems reliable but in no way does Foundations guarantee its accuracy or completeness. Foundations 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 Foundations. 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 Foundations, 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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