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.
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Medicare and Health Insurance
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.
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.
Retirement Income
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.
Planning
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.
Planning
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 Essential Considerations to Review for Your 2025 Return
Are you “lucky” enough to have to worry about #3? Did you remember #5? Explore all 10 tips on this tax season checklist.
Taxes
The Most Tax-Friendly States for Retirees in 2026
Florida, Wyoming, and South Dakota are among the most tax-friendly states for retirees. Find out how all 50 states compare.
Financial Wellness
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.
Planning
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.
Retirement Savings and Investments
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.
Budgeting & Spending
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 Can Supercharge 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.
Budgeting & Spending
Survey: The Looming Government Shutdown and the Future of ACA Subsidies, Boldin Subscribers Express Concerns
Boldin survey reveals most Americans worry a government shutdown and also the threat to ACA subsidies and retirement confidence.
Debt
Understanding the Two Roth 5-Year Rules: A Key to Smarter Early Retirement Planning
Want to retire in your 50s and withdraw from savings? You need to understand the Roth 5 year rules to avoid penalties.
Taxes
Boldin’s Recent OBBBA Tax Updates: What’s Changed, How It Impacts You, and New Opportunities for Optimizing 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.
Planning
Strong Engagement & High Confidence: What Boldin’s Survey of Users Reveals About Strategizing Roth Conversions
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…
Planning
Planning for Uncertainty: Why Roth Conversions Require Iteration, Not Perfection (It’s an Art, Not a Science)
Discover the opportunities and limits of modeling your Roth conversion opportunities and get 6 tips for doing better.
Retirement Savings and Investments
How Making a Qualified Charitable Distribution (QCD) Can Save You Tax Money
QCDs are a way to help great causes and those in need, but they are also a way to manage your tax exposure and avoid unpleasant surprises.
Budgeting & Spending
What You Need to Know About Social Security and Taxes
Yes. You might pay taxes on Social Security. Learn what to expect (federal, state and work penalties) and explore ways to reduce the expense.
Planning
Tax Strategies and Lingo Made Simple: A Useful Guide
Gain valuable insights into common tax terms and some of the most popular strategies for reducing what you pay.
