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“Third-Party Posts”
The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Paiva Insurance & Tax Services, Inc., deems reliable but in no way does Paiva Insurance & Tax Services, Inc. guarantee its accuracy or completeness. Paiva Insurance & Tax Services, Inc. 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 Paiva Insurance & Tax Services, Inc.. 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 Paiva Insurance & Tax Services, Inc., execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
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 thereâs one major expense that often catches retirees off guard. Healthcare. In fact,...
The Retirement Income Plan Most People Think They Have â But Donât
Retirement isnât about how much youâve saved. Itâs about how you turn your savings into income you can rely on â 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 isnât one-size-fits-all. Two people can retire the same year with the same savings and still need completely different strategiesâbecause 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, thereâs another tool that can add stability, predictability, and confidence: annuities. Annuities arenât...
2026 Retirement Income Planning: A Practical Guide to Turning Savings Into Paychecks
Retirement planning changes once the paychecks stop. In your working years, the goal is usually growth. In retirement, the goal becomes reliable income, tax efficiency, and protecting your lifestyleâall while navigating market ups and downs. If youâre retired (or...
Weekly Market Commentary
US markets fell for the fourth consecutive week as the US-Israel-Iran conflict entered its 5th week. President Trumpâs 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. Iranâs 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...
Weekly Market Commentary
Investors endured a volatile week on Wall Street as 4th quarter earnings continued to roll in. Concerns about massive capital expenditures resurfaced after Amazon and Google announced $200 billion and $185 billion in capex, respectively. This comes after last weekâs...
Weekly Market Commentary
Markets ended the week mixed. With just over a third of the S&P 500 having reported fourth-quarter earnings, this earnings season appears much better than anticipated. That said, despite better-than-expected results, many companies have sold off after the...
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Tax Withholding from a Qualified Charitable Distribution (QCD) and from a Roth Conversion: Todayâs 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 â Today is a Required Beginning Date!
By Andy Ives, CFPÂŽ, AIFÂŽ IRA Analyst Today is April 1, and thatâs a big day! No, not because itâs April Foolâs 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 âside gigsâ 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: Todayâs Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Hi Ed and team, If a parent, age 86, inherited their sonâs 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 RMDâŚand a Penalty?
By Andy Ives, CFPÂŽ, AIFÂŽ IRA Analyst When an IRA owner reaches the required beginning date (RBD), required minimum distributions (RMDs) are officially âturned on.â For IRAs, the RBD is April 1 of the year after the year the IRA owner turns age 73. If an IRA owner died...
Roth 5-Year Clocks and Spousal IRA Contributions: Todayâs Slott Report Mailbag
By Andy Ives, CFPÂŽ, AIFÂŽ IRA Analyst QUESTION: Iâm age 72 and my wife is age 63. I want to open a spousal Roth IRA. I already have a Roth for myself that Iâve owned for more than 5 years. Would she have to wait 5 years before she can make a withdrawal without a...
Moving the Clocks Ahead and Reviewing the Roth IRA 5-Year Clocks
By Ian Berger, JD IRA Analyst A few Saturdays ago, many of us moved our clocks one hour ahead to usher in Daylight Saving Time. Adjusting our clocks is a reminder to review the confusing rules surrounding the Roth IRA distribution clocks. Itâs no surprise that...
Qualified Charitable Distributions and Roth IRA 5-Year Rules: Todayâs Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: Hello Mailbag Folks, I may have missed something in one of the Ed Slott newsletters, but I thought that if one contributed to a non-profit directly from an IRA account to the non-profit, the amount would not be taxed. I made my...
The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Paiva Insurance & Tax Services, Inc., deems reliable but in no way does Paiva Insurance & Tax Services, Inc. guarantee its accuracy or completeness. Paiva Insurance & Tax Services, Inc. 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 Paiva Insurance & Tax Services, Inc.. 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 Paiva Insurance & Tax Services, Inc., execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
Medicare Made Simple: How to Choose the Right Coverage for Your Future
For many people, Medicare is one of the most important financial and healthcare decisions they will make in retirement. Yet it is also one of the most misunderstood. Between enrollment deadlines, coverage options, prescription plans, and out-of-pocket costs, it is...
read more
Medicare and Retirement: What You Need to Know Before You Leave Your Employer Plan
For many Americans, retirement brings freedom, flexibility, and the opportunity to enjoy the next chapter of life. But before leaving an employer health plan behind, itâs important to understand how Medicare works alongside retirement planning. Healthcare is one of...
read more
Medicare Made Clear: What Every New Beneficiary Needs to Know in 2026
Turning 65 is a milestone.But when it comes to Medicare, it can also feel overwhelming. Between Parts A, B, C, D⌠Medigap⌠enrollment periods⌠penalties⌠provider networks⌠itâs no surprise that many people feel confused before they even get started. The good news?...
read more
Medicare Annual Checklist: 7 Smart Things to Review Every Year
Even if you feel confident in your Medicare coverage, itâs smart to review your plan at least once a year. Costs change. Networks change. Prescription formularies change. And sometimes your own health needs change â which can make a plan that worked last year less...
read more
Medicare Advantage (Part C): What It Is, Who Itâs For, and What to Watch For
Medicare can feel straightforward at firstâPart A helps cover hospital care, Part B helps cover doctor and outpatient servicesâbut then you hear about Medicare Advantage and everything gets a little more confusing. Medicare Advantage (also called Part C) is an...
read more
Medicare vs. Medicaid: Whatâs the Difference (and Can You Have Both)?
If youâre new to Medicare or helping a loved one, itâs easy to mix up Medicare and Medicaidâthey sound similar, but theyâre very different programs. The good news: once you understand the basics, it becomes much easier to choose coverage confidently and avoid costly...
read more
Medicare Supplements in 2026: Whatâs Changed, What Hasnât, and How to Choose Confidently
Medicare Supplement (Medigap) plans can help control out-of-pocket costs in 2026. Hereâs whatâs new this year, how plans compare, and how to pick the right fit. If youâre on Original Medicare in 2026, predictability matters more than ever Original Medicare (Parts A...
read more
Medicare Prescription Drug Coverage (Part D): What It Covers, What It Costs, and How to Choose the Right Plan
If you take even one regular medication, Medicare prescription drug coverage can make a meaningful difference in your monthly budget. But Part D can also feel confusing because plans change, formularies change, and costs can vary widely from one person to the...
read more
Medicare in 2026: Whatâs New, What Costs More, and What to Review Now
Medicare costs changed in 2026âPart B premiums and deductibles are higher, Part A hospital costs increased, and Part D now has a firm annual out-of-pocket cap. Hereâs what beneficiaries should review and why it matters. The 30-second takeaway 2026 brought higher Parts...
read more
Medicare Made Simple: How to Choose the Right Coverage for Your Future
For many people, Medicare is one of the most important financial and healthcare decisions they will make in retirement. Yet it is also one of the most misunderstood. Between enrollment deadlines, coverage options, prescription plans, and out-of-pocket costs, it is...
Medicare and Retirement: What You Need to Know Before You Leave Your Employer Plan
For many Americans, retirement brings freedom, flexibility, and the opportunity to enjoy the next chapter of life. But before leaving an employer health plan behind, itâs important to understand how Medicare works alongside retirement planning. Healthcare is one of...
Medicare Made Clear: What Every New Beneficiary Needs to Know in 2026
Turning 65 is a milestone.But when it comes to Medicare, it can also feel overwhelming. Between Parts A, B, C, D⌠Medigap⌠enrollment periods⌠penalties⌠provider networks⌠itâs no surprise that many people feel confused before they even get started. The good news?...
Medicare Annual Checklist: 7 Smart Things to Review Every Year
Even if you feel confident in your Medicare coverage, itâs smart to review your plan at least once a year. Costs change. Networks change. Prescription formularies change. And sometimes your own health needs change â which can make a plan that worked last year less...
Medicare Advantage (Part C): What It Is, Who Itâs For, and What to Watch For
Medicare can feel straightforward at firstâPart A helps cover hospital care, Part B helps cover doctor and outpatient servicesâbut then you hear about Medicare Advantage and everything gets a little more confusing. Medicare Advantage (also called Part C) is an...
Medicare vs. Medicaid: Whatâs the Difference (and Can You Have Both)?
If youâre new to Medicare or helping a loved one, itâs easy to mix up Medicare and Medicaidâthey sound similar, but theyâre very different programs. The good news: once you understand the basics, it becomes much easier to choose coverage confidently and avoid costly...
Medicare Supplements in 2026: Whatâs Changed, What Hasnât, and How to Choose Confidently
Medicare Supplement (Medigap) plans can help control out-of-pocket costs in 2026. Hereâs whatâs new this year, how plans compare, and how to pick the right fit. If youâre on Original Medicare in 2026, predictability matters more than ever Original Medicare (Parts A...
Medicare Prescription Drug Coverage (Part D): What It Covers, What It Costs, and How to Choose the Right Plan
If you take even one regular medication, Medicare prescription drug coverage can make a meaningful difference in your monthly budget. But Part D can also feel confusing because plans change, formularies change, and costs can vary widely from one person to the...
Medicare in 2026: Whatâs New, What Costs More, and What to Review Now
Medicare costs changed in 2026âPart B premiums and deductibles are higher, Part A hospital costs increased, and Part D now has a firm annual out-of-pocket cap. Hereâs what beneficiaries should review and why it matters. The 30-second takeaway 2026 brought higher Parts...
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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Paiva Insurance & Tax Services, Inc. Location
Wethersfield, Connecticut
292 Silas Deane Highway
Wethersfield CT 06109
 Office: 860-758-1400
  fred@paivainsandtax.com
