In 2025, Roth IRA limit stays $7k. Growth is tax free.
Most people mess up Roth conversions. Either they don’t know it exists or they overconvert.
Private equity, crypto, hedge funds, now in retirement accounts. Higher returns or costly mistakes.
People avoid 401ks because money feels locked up. Truth is, employer match makes it free money.
The GOP tax law didn’t kill Roth conversions. It made the window more valuable.
Traditional 401k means taxes later. Roth 401k means withdrawals are 100% tax free.
RMDs raise taxes, hit Social Security, and spike Medicare premiums.
Why Waiting Until 72 for RMDs Is a Tax Trap | Avoid IRS Penalties
What the Rich Do With 401ks | Stop Overfunding and Use Tax-Free Tools
How the Rich Avoid Taxes with the Backdoor Roth IRA Strategy
Don’t Open a Roth IRA Before You Learn These 3 Costly Mistakes
Roth IRA Basics Made Easy | Tax-Free Growth and Withdrawals Explained
Inheriting an IRA and the tax problems that come with it...
Required minimum distributions are not withdrawals. They are the IRS’s retirement plan.
The Roth conversion window has reopened
IRAs and 401(k)s are a ticking time bomb
Roth IRA Withdrawal Rules Explained | How to Access Your Money Early
401k to Roth IRA Conversion Explained | Why It Might Not Always Make Sense
What a 401k Really Is Explained in Simple Terms | 401k vs Roth vs Traditional IRA
How the End of the Stretch IRA Could Cost Your Family Thousands
How One Roth Conversion Strategy Can Save You Millions in Retirement Taxes
Why People Never Invest in a 401(k)
Tax brackets today are the lowest in decades. That will not last.
“Why pay taxes now? Rates are low. Just wait.” That thinking will destroy retirements.
Seniors cheer a new $6,000 deduction. It looks like a gift. But it hides a trap.
Roth conversions save millions in taxes for the people who do them right.
2025 Roth IRA Limits... The number everyone wants to know
Your 401k used to be simple. Stocks, bonds, index funds.
Pay 0 Taxes in Retirement
Most people think they are smart when they open a Roth IRA.
The IRS is playing a waiting game with your retirement money.
High earners are told they cannot use a Roth IRA. The wealthy ignore that rule.
The worst mistake in your 20s is not debt or bad spending.
Most people know Roth IRAs are tax free.
You think you have a million in your 401k. You do not.
Most people open a Roth IRA and still lose money. Here is why.
Most people underestimate what a Roth IRA can actually do.
The biggest mistake people make with IRAs is thinking they are all the same. They are not.
Most people think a Roth IRA is a locked box until retirement. It is not.
Most people think cashing out a 401k just means less money in the account.
Waiting until 72 to withdraw your retirement money? Probably a mistake.
The biggest mistake with Roth conversions? Timing.
A 401k is not an investment. It is a tax rule.
Contributing is not investing. Stop confusing the two.
Roth IRA equals tax free compounding. Which means millionaire status, silently accumulating.
401ks made sense when tax rates were falling. But those days are gone.
Thinking of converting your 401k to a Roth IRA? Be careful.
Roth IRAs are powerful. But not perfect.
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About
After a thirty-two year career as an independent financial adviser and Certified Financial Planner™, Craig sold his practice and focuses his business interest, experiences, and efforts toward alerting savers of the large tax obligations that are built into their retirement accounts.
This has birthed two Amazon #1 Best Selling books, Paying the Piper, and Roth Conversion Secrets. The tax issues are very real and a very large concern for many savers.
22 July 2022
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