Taxes
RMD Strategies: 6 Ways to Lower Taxes on Required Minimum Distributions
Your RMD age is 73 or 75, depending on birth year. These 6 RMD strategies, from QCDs to Roth conversions, can lower the taxes on your withdrawals.
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Taxes
Qualified Charitable Distributions: 2026 QCD Limit and Rules
Give up to $111,000 from your IRA tax-free with a QCD in 2026. See who qualifies, how it counts toward your RMD, and how to report it.
Retirement Savings and Investments
16 Roth IRA and Roth Conversion Mistakes That Cost You in Taxes
A Roth conversion can raise your Medicare premiums two years later. Every mistake on this list comes with a solution.
Retirement Savings and Investments
Backdoor Roth, Mega Backdoor Roth & Your IRMAA/ACA Costs
Two CFP® professionals answer real questions on Roth conversion timing, the pro rata rule, and avoiding surprise Medicare or ACA costs.
Taxes
Creative Tax Planning: 8 Unusual Strategies — and What Works Better
We cover 8 creative tax strategies, plus the retirement planning approach that can save you more money.
Retirement Planning
2026 Catch-Up Contribution Limits: 401(k) and IRA
After 50, you can contribute up to $32,500 to a 401(k) and $8,600 to an IRA in 2026. Here’s how catch-up limits work at every age.
Taxes
How to Pay Taxes in Retirement and Avoid IRS Penalties
Paying taxes in retirement means managing income streams, quarterly deadlines, and the IRS safe harbor, without an employer doing it for you.
Social Security
Is Social Security Taxable? Federal Rules, State Taxes, and Earnings Limits
Up to 85% of your Social Security can face federal income tax, and 8 states tax it too. See the thresholds, the new senior deduction, and 2027 earnings limits.
Taxes
Capital Gains Tax Brackets: How Income Pushes Your Rate Higher
Think you qualify for the 0% capital gains tax rate? Your other income may have already eaten that space. Here’s why, plus the 2026 brackets.
Retirement Planning
Retirement Tax Planning: How to Keep More of Your Money
Retirees often pay more in taxes than they expect. Here’s how to plan withdrawal sequencing, Roth conversions, and RMDs for a lower bill.
Taxes
Roth Conversions Cost Less When Markets Are Down
A market drop lowers what you’ll owe on a Roth conversion. Learn how to turn a portfolio pullback into a long-term tax win.
Taxes
Tax Season Checklist: 10 Things to Review for 2025
Are you “lucky” enough to have to worry about #3? Did you remember #5? Explore all 10 tips on this tax season checklist.
Taxes
Most Tax-Friendly States for Retirees in 2026: Top 10 Ranked
Florida, Wyoming, and South Dakota are among the most tax-friendly states for retirees. Find out how all 50 states compare.
Planning
TCJA Made Permanent: Your 2026 Tax Brackets Explained
Most TCJA provisions are now permanent, but your bracket thresholds, deductions, and credits still changed for 2026. Here’s what’s different.
Taxes
The Overlooked Role of Tax Deductions in Roth Conversion Planning
Learn how deductions affect Roth conversions and when income can be converted without triggering federal tax. Tips for smarter Roth planning.
Taxes
Timing Roth Conversions: Should You Convert at the Start of the Year? End? Or, Spread Them Out?
Learn the pros and cons of different Roth conversion timing strategies and how to choose the right approach for your retirement plan.
Retirement Savings and Investments
Year End Tax Planning Strategies to Keep More Money and Prepare for Future Wealth
These 13 year-end tax tips for retirement will help you minimize your 2025 taxes and reduce future tax bills.
Retirement Savings and Investments
Asset Location: How Tax-Smart Investing Helps Your Portfolio
Asset location is an important concept if you are trying to save and build wealth. Explore ways to locate funds to minimize taxes.
Planning
Government Shutdown and ACA Subsidies: User Survey
Boldin survey reveals most Americans worry a government shutdown and also the threat to ACA subsidies and retirement confidence.
Retirement Income
The Two Roth 5-Year Rules, Explained for Early Retirees
Want to retire in your 50s and withdraw from savings? You need to understand the Roth 5 year rules to avoid penalties.
Taxes
OBBBA Tax Updates in Boldin: What Changed for Your Plan
We’ve made the OBBBA tax updates in the Planner. Learn more about what’s changed and discover opportunities to optimize your tax planning.
Long Term Care
The One Big Beautiful Bill Act (OBBBA) and Your Retirement
Explore 7 key provisions in (or consequences of) the One Big Beautiful Bill Act (OBBBA) — and what they could mean for your retirement.
Taxes
Roth Conversion Survey: What Boldin Users Reveal
Roth conversions are a powerful tax planning strategy, but how do retirement savers actually use them? A recent survey of Boldin subscribers reveals that users…
Taxes
Planning for Uncertainty: Roth Conversions Take Iteration
Discover the opportunities and limits of modeling your Roth conversion opportunities and get 6 tips for doing better.
