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“Third-Party Posts”
6 End-of-Year Retirement Deadlines You Shouldn’t Miss for 2024
Navigate these tax and retirement milestones to optimize savings and avoid penalties. Staying on top of year-end tasks helps you avoid penalties and take full advantage...
Three Changes Coming for Social Security in 2025
The Social Security Administration has announced the 2025 final COLA, wage cap, and amount needed to earn SS credits. Anticipating changes coming to Social Security in...
7 Things You’ll Be Happy You Downgraded in Retirement
Downsizing for retirement is a good way to simplify your life and cut down on expenses. Making some key changes, like moving into a smaller home, could reduce financial...
Why Your Current Retirement Plan May Not Be Enough in 2025
Retirement: the wonderful time of life when you no longer have to work for your money. Instead, your money is finally working for you. If you’re well on your way to...
Key change coming for 401(k) ‘max savers’ in 2025, expert says — here’s what you need to know
Key Points Many Americans face a retirement savings shortfall, but setting aside more could get easier for some older workers in 2025. Enacted in 2022, the Secure Act...
What the Fed’s Rate Cut Means for You
The Federal Reserve just reduced interest rates for the first time in four years. Here’s how it will impact borrowers and saver What goes up must come down, and after...
Social Security COLA 2025: How Much Will Payments Increase Next Year?
With inflation cooling, analysts estimate benefit boost could come in around 2.5% The second of three numbers the Social Security Administration (SSA) will use to...
Why Retirement Gets Better With Annuities
Everyone aspires to have a steady source of income after retirement that replaces as much as possible of their pre-retirement earning. But for many people, one big...
Results From the 2024 Retirement Confidence Survey Find Workers’ and Retirees’ Confidence Has Not Recovered From the Significant Drop Seen in 2023, but Majorities Remain Optimistic About Retirement Prospects
Summary - However, almost 8 in 10 workers and 7 in 10 retirees are concerned that the U. S. government could make significant changes to the American retirement system...
Weekly Market Commentary
-Darren Leavitt, CFA The S&P 500 notched its 50th all-time high of 2024 as investors piled into equities after a decisive US election. Wall Street embraced the...
Weekly Market Commentary
-Darren Leavitt, CFA It was a very busy week on Wall Street as investors analyzed a deluge of corporate earnings reports and a full economic data calendar. The S&P...
Weekly Market Commentary
-Darren Leavitt, CFA Global markets pulled back last week as investors took the opportunity to reduce some risk before a very close US Presidential election. In the US,...
Weekly Market Commentary
-Darren Leavitt, CFA The S&P 500 advanced for the sixth consecutive week, closing at a new record high. This week, a broadening out of the market’s rally was...
Weekly Market Commentary
-Darren Leavitt, CFA The S&P 500 and Dow Jones Industrial Average forged another set of all-time highs despite facing several macro headwinds. Chinese markets...
-Darren Leavitt, CFA The S&P 500 closed higher for a fourth consecutive quarter, the first time it has done so since 2011. Investors continued to face a challenging...
Weekly Market Commentary
-Darren Leavitt, CFA US equity markets posted a third week of gains as global central banks continued to cut monetary policy rates. China, Switzerland, Mexico, Hungry,...
Weekly Market Commentary
The S&P 500 notched its 39th record high in 2024 on the back of a fifty-basis-point rate cut by the Federal Reserve. Global central banks took center stage this...
Weekly Market Commentary
-Darren Leavitt, CFA Markets bounced back nicely in the second week of September. It was an intriguing week of trade with several undercurrents to consider. The first...
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Fatal Error: Mistakes That Cannot Be Fixed – Part 2
By Andy Ives, CFP®, AIF® IRA Analyst In our Slott Report entry from March 2 (“Fatal Error: Mistakes That Cannot Be Fixed – Part 1,”) we discussed three...
Act Quickly to Avoid Double Taxation on Excess 401(k) Deferrals
By Ian Berger, JD IRA Analyst If you made excess deferrals to your 401(k) or 403(b) plan(s) in 2025, you need to correct the error while there’s still time. The...
IRA Beneficiaries and Contribution Limits: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Is it wise to designate a grandchild as primary beneficiary for IRA accounts? Answer: You can...
Rolling Over Your Retirement Plan? Here Are 5 Things to Know About Your RMD
By Sarah Brenner, JD Director of Retirement Education These days many Americans are still working long beyond what has traditionally been retirement age. This may be by...
Fatal Error: Mistakes That Cannot Be Fixed – Part 1
By Andy Ives, CFP®, AIF® IRA Analyst When a transactional mistake is made with retirement plan or IRA assets, there is oftentimes a mechanism to correct the error. For...
Trump Accounts and Required Minimum Distributions: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: What’s your opinion of the value of Trump Accounts? Worth it for kids? Should the child do a Roth conversion at...
New Trump Account Developments
By Ian Berger, JD IRA Analyst With contributions to Trump Accounts expected to begin in just a few months, there are some new developments to report. As a...
5 Tips for Making Your 2025 Roth IRA Contribution
By Sarah Brenner, JD Director of Retirement Education The tax season is upon us. This is the time when many people consider contributing to a retirement account....
Conversions of Property and Conversions of Inherited IRA Funds: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: I really appreciate your emails and find them very helpful. Please continue the great work. I read your advice in the...
Millions See Cost Savings Under the Inflation Reduction Act
The Inflation Reduction Act (IRA) made significant improvements to Medicare prescription drug access and affordability, including by restructuring the Part D benefit to limit enrollee expenses. Those changes began in January 2024, when the IRA eliminated cost sharing...
read more
Healthcare.gov Now Open for 2025 ACA Plan Shopping
Now is the time for people who need health insurance in 2025 to shop for coverage. For those without employer, Medicare, or Medicaid coverage, Healthcare.gov or their state exchange is the place to shop for Affordable Care Act (ACA) plans. Most shoppers will be able...
read more
Watchdog Estimates $7.5 Billion Medicare Advantage Overpayment from “Questionable” Health Risk Assessments
When the Centers for Medicare & Medicaid Services (CMS) pays Medicare Advantage (MA) organizations, they increase the payments when plans enroll sicker people. This is called risk adjustment, and it is an important guardrail to ensure that all people with Medicare...
read more
Unpacking the changes to Medicare in 2025
Medicare coverage is personal — and changes to those plans and benefits may feel unnerving as it affects one’s overall health and well-being. Originally passed in 2022, the Inflation Reduction Act brought about many changes to Medicare that are now being implemented...
read more
What If My Medicare Doctor “Opts Out”?
Finding a doctor you like and trust can be a long process, so I understand that it can be frustrating when your doctor no longer accepts Medicare. If your doctor has “opted out” of Medicare, this means that he or she no longer accepts Medicare assignment...
read more
Home health care through Medicare
It’s important to plan for your health care needs, but sometimes life throws unexpected curve balls. And when that happens, you’ll need to know what’s covered. Fortunately, there are ways you and your loved ones can get the necessary care at home. Here’s what you need...
read more
Correcting the Record: The Facts on Medicare Advantage Payment and Accountability
The Wall Street Journal recently published a story regarding diagnoses and plan payments in Medicare Advantage. The story was fundamentally flawed and overlooked the value of Medicare Advantage for millions of American seniors. Here are the facts: More than 33 million...
read more
New bipartisan survey reveals a supermajority of seniors oppose reducing funding to Medicare Advantage — and will factor that into their vote in November
Today, more Americans than ever are choosing Medicare Advantage for affordable, quality health care — with over 33 million seniors and people with disabilities enrolled in the program. BMA wanted to learn more about seniors’ views on Medicare Advantage and how...
read more
How Medicare Advantage In-Home Health Assessments Keep Seniors Healthier
How Medicare Advantage In-Home Health Assessments Keep Seniors Healthier Today, Medicare Advantage delivers affordable, high-quality care to more than 33 million seniors and people with disabilities, with better health outcomes than Fee-for-Service Medicare (FFS). One...
read more
Millions See Cost Savings Under the Inflation Reduction Act
The Inflation Reduction Act (IRA) made significant improvements to Medicare prescription drug access and affordability, including by restructuring the Part D benefit to limit enrollee expenses. Those changes began in January 2024, when the IRA eliminated cost sharing...
Healthcare.gov Now Open for 2025 ACA Plan Shopping
Now is the time for people who need health insurance in 2025 to shop for coverage. For those without employer, Medicare, or Medicaid coverage, Healthcare.gov or their state exchange is the place to shop for Affordable Care Act (ACA) plans. Most shoppers will be able...
Watchdog Estimates $7.5 Billion Medicare Advantage Overpayment from “Questionable” Health Risk Assessments
When the Centers for Medicare & Medicaid Services (CMS) pays Medicare Advantage (MA) organizations, they increase the payments when plans enroll sicker people. This is called risk adjustment, and it is an important guardrail to ensure that all people with Medicare...
Unpacking the changes to Medicare in 2025
Medicare coverage is personal — and changes to those plans and benefits may feel unnerving as it affects one’s overall health and well-being. Originally passed in 2022, the Inflation Reduction Act brought about many changes to Medicare that are now being implemented...
What If My Medicare Doctor “Opts Out”?
Finding a doctor you like and trust can be a long process, so I understand that it can be frustrating when your doctor no longer accepts Medicare. If your doctor has “opted out” of Medicare, this means that he or she no longer accepts Medicare assignment...
Home health care through Medicare
It’s important to plan for your health care needs, but sometimes life throws unexpected curve balls. And when that happens, you’ll need to know what’s covered. Fortunately, there are ways you and your loved ones can get the necessary care at home. Here’s what you need...
Correcting the Record: The Facts on Medicare Advantage Payment and Accountability
The Wall Street Journal recently published a story regarding diagnoses and plan payments in Medicare Advantage. The story was fundamentally flawed and overlooked the value of Medicare Advantage for millions of American seniors. Here are the facts: More than 33 million...
New bipartisan survey reveals a supermajority of seniors oppose reducing funding to Medicare Advantage — and will factor that into their vote in November
Today, more Americans than ever are choosing Medicare Advantage for affordable, quality health care — with over 33 million seniors and people with disabilities enrolled in the program. BMA wanted to learn more about seniors’ views on Medicare Advantage and how...
How Medicare Advantage In-Home Health Assessments Keep Seniors Healthier
How Medicare Advantage In-Home Health Assessments Keep Seniors Healthier Today, Medicare Advantage delivers affordable, high-quality care to more than 33 million seniors and people with disabilities, with better health outcomes than Fee-for-Service Medicare (FFS). One...