IRA Blog

By Ian Berger, JD IRA Analyst Question: If I have had my Roth IRA for 20 years and I do a conversion from my traditional IRA, is the five-year rule in effect for each...

  By Andy Ives, CFP®, AIF® IRA Analyst Excess IRA contributions occur for many reasons, like making a contribution without eligible compensation, accidentally...

  By Ian Berger, JD IRA Analyst Thinking about leaving your job? Make sure you understand the vesting schedule that applies to your retirement plan. It may pay to...

  By Sarah Brenner, JD Director of Retirement Education Question: Hello! I have been a big fan for a long time. I have a question regarding a Roth IRA I inherited...

  By Sarah Brenner, JD Director of Retirement Education IRA and Roth IRA contributions are only permitted when you have taxable “compensation” or earned income....

  By Andy Ives, CFP®, AIF® IRA Analyst In our December 8, 2025 Slott Report entry (“Yes, RMDs Apply to Inherited Roth IRAs, But…”), we wrote about the application...

By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: Hello, I am searching for confirmation that Roth SIMPLE IRA contributions are not limited by modified adjusted gross...

By Ian Berger, JD IRA Analyst One of the most common retirement account transactions – rolling over Roth 401(k) funds to Roth IRAs – is also one of the most complicated...

  Sarah Brenner, JD Director of Retirement Education The rules for required minimum distributions (RMDs) can be complicated and, under the law, the responsibility...