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The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Abundance Advisers, deems reliable but in no way does Abundance Advisers guarantee its accuracy or completeness. Abundance Advisers had no involvement in the creation of the content and did not make any revisions to such content. All such third-party information and statistical data contained herein is subject to change without notice and may not reflect the view or opinions of Abundance Advisers. Nothing herein constitutes investment, legal or tax advice or any recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Abundance Advisers, execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
What Inflation Is Quietly Doing to Your Retirement Plan
When most people think about retirement planning, they focus on the big numbers. How much they have saved. How much income they will need. When they want to retire. But there is one factor that quietly works in the background year after year, and if it is not...
Last-Minute Tax Moves Before April 15: IRA, HSA, and Retirement Planning Tips
As April 15 approaches, many people assume the window for tax planning has already closed. The truth is, there may still be time to make a few smart financial moves that could help reduce taxable income, strengthen retirement savings, and improve long-term financial...
Building a Stronger Financial Future with the Right Guidance
When it comes to your financial future, confidence does not come from guessing. It comes from having a clear strategy, trusted guidance, and a plan built around your goals. Whether you are preparing for retirement, protecting your family, growing your wealth, or...
Why Financial and Insurance Planning Should Work Together
When people think about financial planning, they often focus on investments, retirement accounts, and growing wealth. When they think about insurance, they usually think about protecting their home, health, or family. The truth is, these two areas should never be...
Understanding Annuities: Turning Retirement Savings Into Reliable Income
Planning for retirement has changed dramatically over the past few decades. In the past, many retirees relied on pensions and Social Security to provide dependable income throughout retirement. Today, pensions have largely disappeared, leaving many retirees...
The Retirement Wildcard: How Healthcare Costs Can Impact Your Financial Future
When most people think about retirement planning, they focus on the obvious questions: Will my savings last? How much income will I need? When should I take Social Security? But there’s one major expense that often catches retirees off guard. Healthcare. In fact,...
The Retirement Income Plan Most People Think They Have — But Don’t
Retirement isn’t about how much you’ve saved. It’s about how you turn your savings into income you can rely on — for 20, 30, or even 40 years. Most people believe their 401(k), IRA, or brokerage account is their retirement plan.But an investment account is not an...
Personalized Retirement Strategy: A Plan Built Around You
Retirement isn’t one-size-fits-all. Two people can retire the same year with the same savings and still need completely different strategies—because income needs, taxes, risk tolerance, health care costs, and family priorities are never identical. A personalized...
Annuities: Why They Can Be a Smart Addition to Your Portfolio
When you think about building a strong retirement plan, most people focus on a mix of stocks, bonds, and cash. But for many retirees and pre-retirees, there’s another tool that can add stability, predictability, and confidence: annuities. Annuities aren’t...
Weekly Market Commentary
Global markets rose for a second week as the US and Iran agreed to a two-week ceasefire. The two sides met in Pakistan on Saturday to negotiate an end to the war, but talks ended without a resolution. The fragile ceasefire will be tested on Monday as markets reopen,...
Weekly Market Commentary
The holiday-shortened week saw US equities advance even as oil prices surged amid uncertainty about the duration of the Iranian conflict. Early in the week, investors bid up risk assets on hopes of a ceasefire. President Trump's assessment of the ongoing...
Weekly Market Commentary
US markets fell for the fourth consecutive week as the US-Israel-Iran conflict entered its 5th week. President Trump’s announcement that he would extend the deadline to reopen the Strait of Hormuz by a couple of days sent markets soaring on Monday, but gains were met...
Weekly Market Commentary
US markets fell for a third consecutive week as investors continued to assess the implications of the Iran conflict. Headlines related to Iran continued to dominate market attention. Energy markets traded higher as the military's focus shifted to energy...
Weekly Market Commentary
Markets remained volatile, driven by headlines related to the Iran war. Whipsaw action was prominent across multiple asset classes, while several historically safe-haven assets offered no cover for investors. Questions about the duration of the war and the closure...
Weekly Market Commentary
Investors endured a difficult week as the conflict between the US, Israel, and Iran continued. Iran’s efforts to target US military bases in the region broaden the conflict across the Middle East. Energy shipments through the Strait of Hormuz have come to a...
Weekly Market Commentary
US equity markets regressed as several themes that have propelled the market higher over the last couple of years have had to be reassessed. Return on investment from AI capex, a Federal Reserve on hold, tariff uncertainty, and increased geopolitical tensions have...
Weekly Market Commentary
The holiday-shortened week produced gains across US indices and saw an emerging market ETF break out to all-time highs. The start of the Chinese Lunar New Year and Ramadan tempered international trading volumes. The tail end of Q4 earnings continued to show...
Weekly Market Commentary
US financial markets regressed in choppy trade. The narrative around the disruptive nature of AI continued to impact markets. Rotation away from growth and mega-cap issues continued while proceeds flowed to defensive sectors and small caps. Interest rate-sensitive...
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Non-Spouse Beneficiaries and Funding QCDS: Today’s Slott Report Mailbag
Non-Spouse Beneficiaries and Funding QCDS: Today’s Slott Report Mailbag Thursday, April 09, 2026 By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: If a non-spouse beneficiary inherits a 401(k), what are the options? Can you roll the money into an inherited IRA? Are...
The Strange RMD Rules for Ex-Spouses After a Divorce
By Ian Berger, JD IRA Analyst “Qualified domestic relations orders” (QDROs) are court orders used to divide ERISA retirement plan assets after a divorce. Normally, after a QDRO is approved by a defined contribution plan like a 401(k), the plan will establish a...
Five Last-Minute Tips for 2025 IRA Contributions
By Sarah Brenner, JD Director of Retirement Education The tax-filing deadline is almost here. Are you thinking about making a 2025 IRA (traditional or Roth) contribution? Time is quickly running out. Here are some last-minute tips to keep in mind as you make your IRA...
Tax Withholding from a Qualified Charitable Distribution (QCD) and from a Roth Conversion: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: I had my IRA custodian send my required minimum distribution (RMD) from my IRA to our church, but had 20% federal taxes withheld. Subsequently, I received two Form 1099-Rs from the custodian. One showed the withheld...
No Joke – Today is a Required Beginning Date!
By Andy Ives, CFP®, AIF® IRA Analyst Today is April 1, and that’s a big day! No, not because it’s April Fool’s Day, but because today is the required beginning date (RBD) for any traditional IRA owner who turned age 73 in 2025. Based on census data, that could...
8 Rules to Help Navigate the Multiple Plan Contribution Limits
Ian Berger, JD IRA Analyst More and more Americans are taking on “side gigs” or switching jobs. When that happens, they often wind up participating in two different employer retirement plans at the same time or in the same year. Here are 8 rules to help you understand...
Eligible Designated Beneficiaries and Roth Conversions: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Hi Ed and team, If a parent, age 86, inherited their son’s 401(k) after the son passed at age 58, does the parent still have 10 years to withdraw the funds? A lot is discussed about beneficiaries...
5 Things You Need to Know about the Roth IRA Five-Year Rules
By Sarah Brenner, JD Director of Retirement Education Here at the Slott Report, we get a lot of questions on all sorts of different IRA topics. However, one area where we consistently get the most inquiries is the five-year rules for Roth IRA distributions....
Young Spouse, Spousal Rollover, Year-of-Death RMD…and a Penalty?
By Andy Ives, CFP®, AIF® IRA Analyst When an IRA owner reaches the required beginning date (RBD), required minimum distributions (RMDs) are officially “turned on.” For IRAs, the RBD is April 1 of the year after the year the IRA owner turns age 73. If an IRA owner died...
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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