Posts tagged Pro-rata rule
At or Near Retirement? Time to Say Bucket!
At or Near Retirement? Time to Say Bucket!

Retirees view risks differently, but the greatest risk is behavioral. Let’s discuss a sustainable and tax-efficient approach to retirement distribution strategies.

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Your $ Your Independence, Work Benefits, Retirement Planning, Tax Planning, Retirement, Investing, Debt Management, BudgetingGlenn BrownBudget, Work Benefits, Best Practice, CDs, CFP, Dividends, Dividend Growth, Debt Management, Entitlements, family, Focus on your why, Financial Planning, Goals, Healthcare, Health, HELOC, IRAs, IRS, Income Streams, Investing, Inflation, Investment Management, IRA Withdrawals, Joy, 401(k), Solo K, Local Town Pages, Life Insurance, Medicare, Markets, Net Worth, Roth IRA, Portfolios, Pro-rata rule, Access to Equity, Required Minimum Distributions, Home Equity Line of Credit, Refinancing, Real Estate, Rebalancing, Savings, Traditional IRA, Total Return, Tax Planning, diversification, Savings Prioritization, distribution phase, distribution strategies, tax efficiency, taxes, Experience Spending, Tax-Loss Harvesting, Taxes, Index, Your Money Your Independence, Yields, Asset Allocation
Perfection is the Enemy of Good, Focus on Executing Improvements.
Perfection is the Enemy of Good, Focus on Executing Improvements.

While 2022 has been a challenging investment environment, it has been a fantastic year to see the benefits of executing financial plans over the past few years. 

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Investing, Retirement, Retirement Planning, Tax Planning, Work Benefits, Your $ Your Independence, Small BusinessGlenn BrownAsset Allocation, Best Practice, Rebalancing, Debt Management, Cash Flows, Capital Gains, Contribution Limits, Employee Benefits, Economy, Entitlements, IRA Contributions, Investing, 401(k), Work Benefits, Local Town Pages, Inflation, Open Enrollment, Pro-rata rule, Priorities, Portfolios, Required Minimum Distributions, Savings, Tax Planning, Traditional IRA, 403(b), 457, Spending, tax planning, Investment Management, Wash Sale, Tax-Loss Harvesting, Tax Deadlines, taxes, Roth IRA, Roth Conversion, Taxes, Your Money Your Independence, Year-End
Yes, Backdoor Roth and Roth Conversions Are Still Open to All.
Yes, Backdoor Roth and Roth Conversions Are Still Open to All.

The news of Congress limiting Roth IRA conversions and eliminating Backdoor Roth? Never mind (for now).

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Retirement, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownBeneficiaries, Financial Planning, Goals, IRAs, IRA Contributions, Investing, IRA Withdrawals, 401(k), Multi-Generational Planning, inheritance, Roth IRA, Pro-rata rule, Priorities, Required Minimum Distributions, RMD, Savings, Traditional IRA, Tax Planning, Your Money Your Independence, taxes, Taxes, Roth Conversion, Year-End, Recharacterization
To Convert or Not To Convert: Taxation Is The Question
To Convert or Not To Convert: Taxation Is The Question

Think your taxes or tax rate will be higher in retirement? Consider a Roth Conversion strategy.

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Investing, Retirement Planning, Retirement, Tax Planning, Your $ Your IndependenceGlenn Browntaxes, Financial Planning, grandchildren, Aging Parents, Goals, IRAs, IRA Withdrawals, inheritance, Investing, Tax Cuts and Jobs Act of 2017, 401(k), Local Town Pages, Multi-Generational Planning, Income Streams, Roth IRA, Social Security, Portfolios, Pro-rata rule, Required Minimum Distributions, RMD, Retirement, Roth Conversion, Recharacterization, Traditional IRA, Tax Planning, Taxes, Savings, Your Money Your Independence, Year-End
Roth Conversion: Wrap Up Your Tax Year
Roth Conversion: Wrap Up Your Tax Year

Pay the IRS a tax for the gift of tax-free retirement growth.

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Tax Planning, Your $ Your Independence, Retirement Planning, Retirement, InvestingGlenn BrownRoth Conversion, Roth IRA, Tax Planning, Tax Cuts and Jobs Act of 2017, Best Practice, Financial Planning, Investing, IRAs, Retirement, Recharacterization, 401(k), RMD, Required Minimum Distributions, Traditional IRA, Your Money Your Independence, Local Town Pages, Year-End, Pro-rata rule, taxes