By Ian Berger, JD IRA Analyst In final regulations issued on September 15, 2025, the IRS confirmed that company retirement plans must comply with the SECURE 2.0 Act’s mandatory Roth catch-up rule as of January 1, 2026. That rule requires high-paid employees who...
By Ian Berger, JD IRA Analyst Question: Hi, If my birthday is in December 2026, when I turn 73 years old, can I take my required minimum distribution (RMD) on January 2, 2026, even though I’m not yet 73 years old then? Thank you, Harvey Answer: Yes. Your first RMD is...
By Andy Ives, CFP®, AIF® IRA Analyst If you are thinking about doing a qualified charitable distribution (QCD) for 2025, time is running out. The deadline is December 31, 2025. Many people miss out on this valuable tax break. Here are 5 things you need to know about...
By Andy Ives, CFP®, AIF® IRA Analyst Can a person who works at two different, unrelated companies participate in the retirement plan offered by each of those businesses? Yes. Can this same person receive the maximum annual contributions into BOTH plans? Yes,...
By Ian Berger, JD IRA Analyst As the end of the year approaches, you may have plans to retire on December 31. However, if you are using the “still-working exception” to defer required minimum distributions (RMDs) from your 401(k) (or other company plan), you may want...
By Sarah Brenner, JD Director of Retirement Education The end of the year always brings a flurry of retirement account deadlines and planning opportunities. This year is no different. And, new for 2025, the One Big Beautiful Bill Act (OBBBA) brings new...
