A 70-Year-Old With $600,000 Delays Social Security for the 8% Bonus, and Walks Into a Bigger RMD
Quick Read Delaying Social Security to 70 earns an 8% annual credit, but leaves a $600,000 IRA compounding…
The Case for Holding SCHD in Your Roth IRA
Quick Read SCHD held in a Roth IRA saves a 24% bracket investor $2,625 annually in taxes on…
Early Retirees Face a Dangerous Choice, Says Wes Moss: Bonds in IRAs or Access to Cash
On the May 19 episode of The Clark Howard Podcast, financial planner Wes Moss answered a question from…
The $40,000 Tax Move That Comes After Your 401(k) Hits Its Limit
Quick Read Direct indexing replaces S&P 500 (SPY) with 150-250 constituents to harvest $30,000-$50,000 annual losses, saving $9,500-$12,800…
How Tech Executives Convert RSU Vests Into $700,000 of Tax-Free 401(k) Retirement Income
Quick Read $400,000 RSU vest triggers 32–37% federal tax on vest day whether sold immediately or held forever,…
A 60-Year-Old With $1.7 Million in a 401(k) Has Three Years to Execute the Most Consequential Tax Move of Retirement
Quick Read $310,000 Roth conversion at 17% effective rate before age 63 beats 24% RMD tax plus IRMAA…
Why $2.1 Million in Retirement Accounts Isn’t Enough to Retire Early at 54
A couple in their early fifties with $2.1 million saved and $350,000 in annual household income wrote in…
The 401(k) Withdrawal Strategy That Saves High Earners $80,000 in Taxes
Schwab US Dividend Equity ETF (SCHD) yields 3.46% and JPMorgan Equity Premium Income ETF (JEPI) yields roughly 8.5%,…