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Retirement Income Planning Going Into 2026: Turning Your Savings Into a Lifetime Paycheck
For most people, retirement isn’t about a specific age or account balance—it’s about confidence.Confidence that the bills will be paid, that you can handle surprises, and that you won’t run out of money before you run out of life. As we approach 2026, retirement...
Estate Planning & You: Getting Ready for 2026 (Without Freaking Out)
state planning sounds like something for billionaires in marble mansions… not for regular people with a mortgage, a 401(k), a dog, and a favorite taco spot. But here’s the truth:If you love someone or own something, you need some kind of estate plan. As we head toward...
Retirement Planning in 2026: How to Prepare for a New Era of Retirement
If you feel like retirement has gotten more complicated, you’re not imagining things. Between market volatility, rising costs, new tax rules, and longer life expectancies, “set it and forget it” retirement planning just doesn’t work anymore. The good news? With a...
Retirement Planning in 2026: A Practical Playbook (and How Annuities Can Help)
TL;DR: Going into 2026, retirees face two big realities: markets that still swing and a shifting tax landscape. Focus on dependable income, flexible tax buckets, and a plan for withdrawals/RMDs. Annuities—used correctly—can add durability to a retirement paycheck...
Retirement Planning Heading Into 2026: 7 Smart Moves For Clients Right Now
As 2025 winds down, retirement planning is shifting under three big spotlights: taxes in 2026, retirement plan rule updates, and Medicare drug-cost changes. Here’s a practical, client-friendly guide you can publish — plus talking points to spark action before...
Why Life Insurance Belongs in Your Retirement Plan
Quick Take Life insurance isn’t just for parents with mortgages. The right policy can: protect a spouse’s income plan if one Social Security check disappears create tax-advantaged cash you can access in down markets cover final expenses and debts so heirs keep what...
Annuities 101: Why They’re (Sometimes) a Great Idea for Retirement
Quick Take Annuities are insurance contracts that can turn a portion of your savings into guaranteed income you can’t outlive. For the right person, they lower stress, steady cash flow, and reduce the chances of running out of money—especially when markets are jumpy....
Retirement Income Planning: A Practical Guide for Turning Savings Into a Sustainable Paycheck
Key Takeaways (TL;DR) Retirement success is less about “the number” and more about cash-flow durability, tax efficiency, and risk control. A resilient plan blends guaranteed income (Social Security, pensions, annuity floors) with market growth and cash reserves. Smart...
Integrating Life Insurance & Fixed Indexed Annuities: A Smarter Way to Protect, Grow, and Distribute Retirement Wealth
Big idea: Life insurance and fixed indexed annuities (FIAs) aren’t either/or. Used together, they can help protect income, manage taxes, and transfer wealth more efficiently—especially in volatile markets. Why these two tools belong in the same conversation Most...
Weekly Market Commentary
Well, the market finally had a significant pullback, but not before the S&P 500 and NASDAQ were able to set another all-time high. The week began with a deal between OpenAI and AMD, sending AMD shares nearly 24% higher. The deal catalyzed the technology sector...
Weekly Market Commentary
Investors sent US markets to another set of all-time highs despite concerns about an extended government shutdown. The U.S. government shutdown was largely dismissed by markets last week, which came as a surprise given that several key economic data sets (Initial...
Weekly Market Commentary
The S&P 500 hit a 28th record high for the year before settling lower for the week. Investors endured a choppy week of trading as better-than-expected economic data and better-than-feared inflation data tempered the notion of additional rate cuts. Several Fed...
Weekly Market Commentary
The major US equity market indices forged another set of all-time highs as investors went all in on risk assets after the Federal Reserve announced a twenty-five basis point cut to its policy rate and telegraphed the potential for three more cuts by January 2026. The...
Weekly Market Commentary
US equity indices posted another set of all-time highs as investors increased expectations for three, twenty-five basis point rate cuts by year's end. Inflation data reported for the week essentially gave the Fed the green light for a September rate cut....
Weekly Market Commentary
Investors sent the S&P 500 to another all-time high in a holiday-shortened week of trading. President Trump started the week by asking the Supreme Court to expedite a hearing to challenge the International Trade Court and the Federal Court of Appeals rulings that...
Weekly Market Commentary
The S&P 500 posted a gain for the fourth consecutive month as investors continued to embrace the prospects of a September rate cut, a robust economic outlook, and strong corporate earnings. The much-anticipated second-quarter results from NVidia were met with...
Weekly Market Commentary
US equity markets ended the week with a powerful move to the upside after Fed Chairman J. Powell indicated that the balance of risk had shifted to the labor market, leaving the door open for a September rate cut. The final day of trading wiped out losses incurred in...
Weekly Market Commentary
Global financial markets had another positive week as the Dow Jones Industrial Average finally joined the S&P 500 and the NASDAQ with a new all-time high. Benign consumer inflation increased the probability of a September rate cut to 99% and fostered the idea of...
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The Slott Report Gives Thanks
By Andy Ives, CFP®, AIF® IRA Analyst Thanksgiving Season is upon us! Here at The Slott Report, we are thankful for many things: We are thankful to have a platform to share all the important IRA and retirement account information about which we write. We are thankful...
IRA and Retirement Plan Dollar Limits Increased for 2026
By Ian Berger, JD IRA Analyst The IRS has released the cost-of-living adjustments (COLAs) for retirement accounts for 2026, and many of the dollar limits will increase next year. Retirement Plans The elective deferral limit for employees who participate in 401(k),...
IRA Rollovers and Qualified Charitable Distributions: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: My wife and I have a large disparity in IRA balances. It is about a 10 to 1 ratio. I would like to transfer a significant amount to her IRA. Our brokerages say they do not allow these types of transfers....
The Right Moves – How to Move Retirement Funds
By Sarah Brenner, JD Director of Retirement Education The year 2025 has been a turbulent time for the economy. Whether due to job loss or seeking better investment opportunities in volatile markets, the result is that more and more retirement account funds are on the...
The Tricky Still-Working Exception – After Death
By Andy Ives, CFP®, AIF® IRA Analyst For those who have 401(k)s or other retirement plans, the required beginning date (RBD) when required minimum distributions (RMDs) are officially “turned on” is April 1 of the year after the year a person turns age 73. This...
The 5-Year Clock and Qualified Charitable Distributions: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: A husband owned a Roth IRA which had been in existence for at least 5 years. He died in January of 2025. His wife was his primary beneficiary. The wife opened a Roth IRA in late January 2025 to receive the distribution...
When Can I Take an In-Service Withdrawal from My 401(k)?
By Ian Berger, JD IRA Analyst With continuing economic uncertainty, it’s not surprising that the number of employees who need to dip into their 401(k) and other company plan funds is on the rise. Congress originally set strict limits on the ability of employees...
5 Times When You Should Not Name Your Spouse as Beneficiary
By Sarah Brenner, JD Director of Retirement Education While naming a spouse directly as the IRA beneficiary has many advantages and is a popular choice, it is not always the correct planning strategy. In some cases, another beneficiary may be better such as...
Penalty-Free Withdrawals of Roth Conversions and the First RMD Year: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: Greetings, In 2025, I converted a traditional IRA to an existing Roth IRA, which I have held for 20 years. I will turn age 60 in 2026. Can I withdraw the converted money from my Roth IRA penalty free? Or do I have to wait five...
Regular Review
Your life will change. And your plan must change with it. At our regular plan reviews we check for progress, realign to new information, and address any information that is out of date. Our support team is here for you to get you the answers you need when you need them. Regular plan reviews are just another part of doing it the right way.
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