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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.
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How the Compensation Limit Affects Retirement Plan Benefits
By Ian Berger, JD IRA Analyst Many retirement plans base employer contributions on employee compensation. For many years, Congress has limited the compensation that can be taken into account for those contributions. Fortunately, this dollar limit only applies...
New Reporting for 2025 QCDs
By Sarah Brenner, JD Director of Retirement Education The IRS has introduced a new code for the reporting of qualified charitable distributions (QCDs) by IRA custodians on Form 1099-R. How QCDs Work QCDs first became available in 2006, and they were made permanent in...
Roth Conversions and 401(k) Distributions: This Week’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Since I retired in 2020, each year I have been converting amounts from my employer plan to my Roth IRA. I will be age 73 in 2026. Can I take my required minimum distribution (RMD) amount and convert that...
Check Both Boxes for Tax-Free Roth IRA Earnings
By Andy Ives, CFP®, AIF® IRA Analyst Roth IRAs follow strict distribution ordering rules. Contributions come out first, then converted dollars, and then earnings. It does not matter how many Roth IRAs a person has, or if the accounts are held at multiple custodians....
How Plan After-Tax Contributions Are Taxed When Converted
By Ian Berger, JD IRA Analyst The April 23, 2025, Slott Report article, “After-Tax 401(k) Contributions Shouldn’t Be an Afterthought,” discusses how 401(k) after-tax contributions can be moved into Roth accounts through in-plan Roth conversions, the “mega...
Basis In Your Traditional IRA
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: My wife and I created a Roth IRA when our two children were young to pay for their college education. Our daughter is finishing her second year of school, and our son will be entering college this fall. We have withdrawn...
Basis In Your Traditional IRA
By Sarah Brenner, JD Director of Retirement Education While most distributions from a traditional IRA are taxable, sometimes distributions can include after-tax dollars. These after-tax dollars are known as “basis.” Handling and tracking basis in your...
72(t): Switching Methods in a Market Downturn
By Andy Ives, CFP®, AIF® IRA Analyst When a person under the age of 59½ needs access to his IRA dollars, there is a 10% early withdrawal penalty applied to any distribution, unless an exception applies. One of the many 10% penalty exceptions is a 72(t) “series of...
RMD Calculation and Direct Roth Conversions: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: At age 71, I’m not yet subject to required minimum distributions (RMDs) from my IRA or workplace retirement accounts. However, I am required to take annual RMDs from a pre-2020 inherited IRA and a pre-2020 inherited Roth IRA....
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.
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292 Silas Deane Highway
Wethersfield CT 06109
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