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6 Ways to Secure Your Finances After Retirement
Although your CalPERS service retirement is a lifetime benefit, and you have other income sources available to you, money can still be tight. Making ends meet is a big concern for many retirees. Here are six tips for saving money during retirement, as part of our...
Retirement planning with annuities in 2025: Key considerations and trends
Annuities have seen a resurgence in popularity as a retirement planning tool, especially in 2025, driven by market volatility, higher interest rates, and an aging population seeking stable income streams. Here's what you need to know about retirement planning with...
7 steps to prepare for your upcoming retirement
Planning to retire within the next 10 years? Taking these actions now could help bolster your portfolio as you approach your planned retirement date. After decades of working and saving, you can finally see retirement on the horizon. But now isn't the time to coast....
Getting Ready for Retirement Checklist
If the word “retire” is becoming your new mantra, we suggest you make a retirement checklist before you receive your last paycheck. It’s never too early (or too late) to start planning your retirement. So why not start now, using the handy checklist below. 10 Steps...
The Most Important Ages of Retirement
Retirement is a series of milestones that arrive as you age. Here are the ones you should know about. The retirement clock doesn't start the day you stop working. It's better to think of this period of your life as a range of important dates and milestones spread...
Social Security Benefits Changes in 2025: What You Need to Know for Smarter Retirement and Tax Planning
Social Security is one of the most essential yet misunderstood pieces of the American retirement puzzle. With all the recent headlines, ranging from benefit increases and new payment rules to potential tax reforms under the Trump administration, many retirees and...
Planning to retire in 2025? Do these 7 things now
A wonderful retirement is the goal of many people, and you want it to come off without any major snags. But retirement plans always face challenges, whether it’s the volatility of the markets, the affordability of healthcare or the risks posed by inflation. Plus,...
3 Retirement Mistakes That Can Still Be Fixed in 2025
Retirement planning is rarely perfect. Life throws curveballs—health issues, market downturns, career changes—and even the most diligent savers can stumble along the way. If you’ve made financial missteps or feel unprepared as you approach retirement, you’re not...
8 Ways to Keep From Going Broke in Retirement
Budgeting, saving and investing tips to help make your money last as long as you do No matter how diligently you’ve been saving for retirement, it’s hard not to worry about outliving your money. But you can take several steps to contain your expenses, manage your nest...
Weekly Market Commentary
The S&P 500 and NASDAQ reached another set of all-time highs, driven by constructive rhetoric on global trade and positive second-quarter earnings results from influential companies such as Alphabet. The S&P is up 8.6% year to date, while the NASDAQ is up...
Weekly Market Commentary
U.S. equity markets were little changed for the week; that said, the S&P 500 and NASDAQ were able to forge another set of all-time highs. A busy Q2 earnings calendar saw 12% of the S&P 500 report earnings. Earnings from several large banks came in better than...
Weekly Market Commentary
A barrage of tariff letters sent to over 20 countries by President Trump yielded very little movement in the financial markets. Trump announced that there would not be additional extensions to negotiations and that tariff levels sent in these letters would go into...
Weekly Market Commentary
The holiday-shortened week produced another week of gains for US equity indices. The S&P 500 was up 10.6 % in the 2nd quarter, while the NASDAQ composite rose 17.8%. Trump’s reconciliation bill was passed by the Senate and subsequently approved by the House,...
Weekly Market Commentary
The S&P 500 and the NASDAQ joined the NASDAQ 100 in forging new all-time highs in an extremely busy week for Wall Street. A de-escalation of the Iran-Israel-US conflict happened on the twelfth day after Israel's initial strikes. The US bombed three key nuclear...
Weekly Market Commentary
Despite there being plenty for investors to consider, the holiday-shortened week ended pretty much where it started. Israel and Iran continued to exchange missile attacks, while global leaders tried to find a resolution to the conflict. President Trump opened the door...
Weekly Market Commentary
US markets advanced in an erratic week of trading. The S&P 500 ended the week above the 6000 level and is up nearly 24% from the April 7th lows. Investors continue monitoring global trade policy, hoping more trade deals will be signed soon. Trump acknowledged...
Weekly Market Commentary
-Darren Leavitt, CFA The holiday-shortened week was busy. Trade uncertainties continued to be on investors' minds, with several trade stories hitting the tape throughout the week. News on Tuesday that President Trump had extended the timeline for negotiations with...
Weekly Market Commentary
-Darren Leavitt, CFA It was a busy week on Wall Street. The Dow Jones Industrial Index and the S&P 500 went positive for the year, catalyzed by the announcement that China and the US would significantly lower tariffs for 90 days as trade negotiations continue. ...
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529-to-Roth: Still No News on 15-Year Clock
By Andy Ives, CFP®, AIF® IRA Analyst It’s been nearly 3½ years, and still no news. No guidance. No updates. Background: In December 2022, the SECURE 2.0 Act was signed into law. That legislation contained an extensively discussed provision – allowing excess dollars in...
401(k) Rollovers and Spousal Contributions: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: I have a 401(k) plan with a previous employer that is a mix of pre-tax and Roth money. I’m considering a direct rollover of the 401(k) to an IRA. How would that work since it’s a mix of pre-tax and after-tax funds? Would...
The “Required Beginning Date” vs. “First RMD Year” Confusion
By Ian Berger, JD IRA Analyst Most of you are probably familiar with the concept of the “required beginning date” (RBD). The RBD is the deadline for taking the first required minimum distribution (RMD) from an IRA or workplace retirement plan. If you’re a traditional...
New “Trump IRA” Is Fake News
By Sarah Brenner, JD Director of Retirement Education On April 30, 2026, President Trump signed an executive order to promote retirement savings for American workers. In its aftermath, we have had a flurry of questions about a new savings option called a “Trump...
The Net Unrealized Appreciation Strategy and Qualified Charitable Distributions: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: I have a client who is still working, over age 75, and wants to roll her 401(k) into her IRA. She has stopped contributing and wants to move the company stock to her brokerage account using the net unrealized appreciation (NUA)...
The Net Unrealized Appreciation Strategy and Qualified Charitable Distributions: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: I have a client who is still working, over age 75, and wants to roll her 401(k) into her IRA. She has stopped contributing and wants to move the company stock to her brokerage account using the net unrealized appreciation (NUA)...
Reporting a Recharacterization
By Andy Ives, CFP®, AIF® IRA Analyst We know that Roth conversions are permanent. Recharacterization of a conversion is no longer allowed. Once the conversion is done, there is no going back. However, recharacterization is still available for IRA contributions. A...
A Cheat Sheet for Retirement Account Beneficiary RMD
By Ian Berger, JD IRA Analyst The SECURE Act completely changed the rules for beneficiary IRA (and workplace retirement plan) required minimum distributions (RMDs). It’s now been more than 6 years since the SECURE Act became law and almost 2 years since the IRS...
Required Minimum Distributions and Inherited IRAs Prior to 2020: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: My spouse and I have a combined six-figure required minimum distribution (RMD) from my two IRAs and her smaller IRA. Our CPA suggested that for 2026 we only withdraw 50% of her smaller RMD, and that I...
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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