Why the Backdoor Roth IRA Hurts Married-Filing-Separately Filers
Yes, but the backdoor Roth IRA for married couples filing separately works against you more often than it works for you. The mechanics are legal.
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F&G IUL Reviews: Caps, Lapse Risk & Financial Strength
Fidelity & Guaranty's indexed universal life policies attract serious attention from high-net-worth buyers for legitimate reasons: tax-deferred accumulation, flexible death benefit structuring, and estate planning utility. But the standard F&G IUL reviews you'll find online are written for people bu
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FXAIX for Roth IRA: Is It a Smart Fit?
FXAIX in a Roth IRA is a sound tax optimization move.
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401k to Roth IRA Conversion Before the 2025 TCJA Sunset
The 401k to Roth IRA conversion is straightforward mechanically. The complexity is in the timing, the tax math, and the second-order effects that most generic advice ignores entirely.
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Socially Responsible Roth IRA: ESG Funds Plus Backdoor Access
A socially responsible Roth IRA combines ESG-screened investments with the tax-free compounding of a Roth account.
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How to Report Roth IRA Contributions on Form 1040
Here is the short answer: Roth IRA contributions do not appear as a line item on Form 1040, and you cannot deduct them. Your IRA custodian reports them to the IRS on Form 5498.
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How SECURE 2.0 Changed Roth 401(k) Inheritance Rules
Roth 401(k) inheritance rules determine whether your heirs receive a decade of tax-free compounding or a forced lump-sum payout the plan administrator controls.
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Are Roth IRA Dividends Ever Taxed?
Roth IRA dividends accumulate entirely free of federal income tax, and qualified withdrawals are tax-free as well. That two-part advantage is what separates the Roth from every other account type.
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Deferred Comp vs Roth IRA: Which Wins for High Earners?
For most executives comparing deferred comp vs Roth IRA, the standard advice misses the point entirely.
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What SCHD in a Roth IRA Does for the Tax Math
Holding SCHD in a Roth IRA is one of the cleaner asset location decisions available to high-income investors.
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UBTI in a Roth IRA: When Your Account Owes Tax
UBTI in a Roth IRA is a real tax liability, not a theoretical edge case.
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Roth 401(k) vs Backdoor Roth at High Income
The Roth 401(k) vs backdoor Roth decision looks simple on the surface: one is employer-sponsored with higher limits, the other is self-directed with more flexibility.
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