Inherited IRAs and the Sidedoor 401k/403b/457b/IRA/HSA

Recently I’ve suggested to two different people something they might want to consider regarding an IRA they have inherited from a parent. While this strategy seems pretty straightforward to me, it was very much a surprise to them so I thought it might be worth a quick blog post (well, "quick" for me :-). This … Continue reading Inherited IRAs and the Sidedoor 401k/403b/457b/IRA/HSA →

529 to Roth Conversions: Some Possibilities

As I mentioned in a previous post, one of the changes made by the recent Consolidated Appropriations Act is the ability - with some important restrictions - to transfer some money from a 529 plan to a Roth IRA. The intent of this law is good, I think. Some people have been hesitant to save … Continue reading 529 to Roth Conversions: Some Possibilities →

Some Notable Retirement Account Changes

Last week Congress passed - and the President signed - the Consolidated Appropriations Act of 2023 (pdf). This is the huge omnibus spending bill that funds the government, but also includes many changes to retirement accounts that were originally knows as the Secure Act 2.0. Jeffrey Levine does his usual wonderful, incredibly in-depth job of … Continue reading Some Notable Retirement Account Changes →

2023: New Year, New Limits

As we are about to turn the page (click the arrow?) on the calendar to move into 2023, there are many changes that happen around taxes. These include tax bracket changes, changes in the limits of what you can contribute to various retirement accounts, and a variety of other changes. The following is by no … Continue reading 2023: New Year, New Limits →

What’s In My Portfolio?

A while back I read How I Invest My Money, a fairly short book that is comprised of 25 financial "experts" describing how they invest their money. It was interesting to see the different perspectives and rationales, so I thought it might be helpful (to somebody?) if I shared my1 portfolio. I look at our … Continue reading What’s In My Portfolio? →

Fees Matter: Vanguard, PERA, TIAA and MetLife Comparison

Inspired by some of the work Ben Johnson has been doing, I decided to revisit two posts I've previously done on the retirement plans (401k/403b/457) available through Littleton Public Schools and Douglas County Public Schools. (Note that the expense ratios are slightly lower now than when I wrote those posts.) It's probably worth reading at … Continue reading Fees Matter: Vanguard, PERA, TIAA and MetLife Comparison →