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I am currently in a 12% tax bracket and attempting to convert as much money as I can to a Roth individual retirement account (IRA) without going into the next bracket. I am trying to do this to reduce my … Continue reading → The post Ask An Advisor: Can I Harness the Bear Market to Cut My RMDs and Tax Bill? appeared first on SmartAsset Blog. ....
Is it a viable plan to use my 401(k) for the eight years between retirement (age 62) and the max payout age for Social Security (age 70)? I have about $750,000 and I’m planning to take about $1,700 per month. I already have a pension of about $1,500 per month. –Lynne Waiting to file for […] The post Ask an Advisor: Should I Delay Social Security and Rely on My 401(k) for 8 Years? I Have $750k in Savings and a Pension appeared first on SmartReads by SmartAsset. ....
Can I avoid getting hit with double taxes on my first two required minimum distributions (RMDs)? I'll turn 73 in January 2024. Do I have until April 1 2024 to take my first RMD? Or do I have until April … Continue reading → The post Ask An Advisor: When Should I Take My First RMD? appeared first on SmartAsset Blog. ....
I will be 72 years old on Feb. 10, 2023. I have a traditional individual retirement (IRA) account. Most of the money is tied in stocks, and the stocks this year are way down. If I sell to pay the … Continue reading → The post Ask an Advisor: When Taking RMDs, How Do I Avoid Locking in Losses? I'll Be 72 Years Old Soon, and My Stocks Are ‘Way Down' This Year appeared first on SmartAsset Blog. ....
I am a hairstylist working as a commissioned employee, not an independent contractor. My employer offers no benefits, so I have been doing it on my own with a Roth IRA and taxable brokerage account. Are there any other tax-advantaged options for my situation? -Darcy Yes, as an employee your options are more limited. If […] The post Ask an Advisor: I’m a Commissioned Employee But My Job Doesn’t Offer a Retirement Plan. What Are My Options? appeared first on SmartReads by SmartAsset. ....