Tax lien investing offers a rare combination of fixed returns and real property security, making it an appealing option for experienced IRA investors seeking steady income. This follow up to our October Client Strategy Group expands on how to evaluate liens before bidding and avoid common compliance pitfalls.
Beginning in 2025, individuals age 65 or older generally can claim a new “senior” deduction of $6,000 under the One Big Beautiful Bill Act (OBBBA). But if your 2025 modified adjusted gross income (MAGI) exceeds $75,000 ($150,000 if you’re a married joint filer), a MAGI-based phaseout will reduce (or may even eliminate) the deduction.
Most investors think of the stock market when they picture retirement, but tax lien investing offers another path. By purchasing liens on unpaid property taxes, you can earn fixed returns backed by real estate. This article explains how tax liens work and why they appeal to self directed IRA investors.
Missing your RMD deadline can be expensive — but with MidAtlantic’s reminders, calculations, and support, you’ll have everything you need to stay compliant and penalty-free.
A Qualified Charitable Distribution allows you to support causes you care about while meeting your RMD requirement — and it may reduce your taxable income.
The SECURE Acts raised the RMD starting age from 70½ to 72 to 73 — and eventually to 75. Staying on top of these changes ensures you remain compliant and make the most of your retirement planning.
For 2025, RMDs apply to most retirement accounts starting at age 73, with annual withdrawals due by December 31. The IRS rules are clear, but the details — like how much to take and when — depend on your account type and circumstances.
Not all retirement accounts follow the same rules for Required Minimum Distributions (RMDs). If you have multiple accounts, it’s important to understand how the rules apply to each one. Here’s a breakdown by account type.
Whether you take your RMD all at once or spread it out, the IRS requirement is the same. The timing is flexible — so work with your advisor to choose the approach that best fits your income, taxes, and retirement lifestyle.