Tax-planning

Saving for retirement was the easy part. Spending it wisely is where real strategy begins. Learn how to withdraw from your 401(k) in ways that minimize taxes and maximize your money.

The RMD rules have changed twice in recent years, catching many retirees off guard. Here's exactly what you need to know about when distributions must begin, how they're calculated, and what happens if you miss the deadline.

Pay taxes now or pay taxes later? The answer isn't as obvious as it seems — and getting it right can mean tens of thousands more in retirement income.

Many retirees can pay 0% federal tax on investment gains — but most never do. Learn about the hidden opportunity and strategies to minimize capital gains taxes throughout retirement.

A single Roth conversion can cost you thousands in Medicare premiums two years later. Learn how IRMAA works, who pays it, and how to avoid the surcharge traps.