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The order you pull from your taxable, tax-deferred, and tax-free accounts can make or break your retirement. Get it right and your money lasts longer- get it wrong and you could face big tax bills. That’s where good planning comes in.
Parents often ask me what happens if their child doesn’t use all the money in a 529. The good news is new rules allow unused funds to roll into a Roth IRA for that student’s future. It’s a powerful update worth knowing about.
Online content can be entertaining, but it doesn’t know your full financial picture. We always encourage clients to bring me what they’ve heard so we can sort out what’s useful and what’s just noise.
If you don’t need your required minimum distribution for income, you may be able to gift it directly to a charity instead. It’s called a "Qualified Charitable Distribution" and it lets you give while avoiding taxes on that withdrawal.
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