Mark Your Calendar: The Fall Deadlines Every IRA Holder Should Know
Two weeks ago we talked about the quiet season, that stretch of late summer when nothing on your IRA is urgent and everything is easy to handle. Today’s article is the companion piece: a look at what’s coming, so the quiet season can do its job. ...The Quiet Season: 5 Things to Check on Your IRA Before Fall Gets Busy
Every IRA has a rhythm to it. Spring belongs to tax season. Winter belongs to year-end deadlines, valuations, and required distributions. And the fourth quarter, as anyone who has scrambled through one knows, has a way of arriving faster than expected. But August?...Retirement Isn’t an Exit: Why the Best Investors Never Really Stop
Picture the classic retirement commercial. A couple walks a beach at sunset. Someone tees off on an empty golf course. A sailboat drifts by, presumably purchased with decades of disciplined index fund contributions. Now be honest: does any of that actually sound like...There’s Still Time To Set Up A SEP & Reduce Your 2025 Taxes
If you own a business or are self-employed and haven’t already set up a tax-advantaged retirement plan, consider establishing one before you file your 2025 tax return. If you choose a Simplified Employee Pension (SEP), you’ll be able make deductible 2025 contributions...The Difference Between a Traditional and Roth IRA and How to Decide Before Tax Season
As tax season approaches, many investors begin reviewing their retirement accounts and asking a familiar question: should I contribute to a Traditional IRA or a Roth IRA this year. The choice matters more than most people realize. The type of IRA you choose can...Year End IRA Checklist: 5 Things to Do Before December 31
As the year comes to a close, most people are focused on holiday plans, travel, and wrapping up work. Retirement accounts are not always top of mind, but year end is one of the most important checkpoints for IRA owners. A quick review now can help you avoid errors,...What Every IRA Investor Should Review Before Year End (Even If You’re Not Making Any Changes)
As the calendar gets ready to flip into December, most investors are thinking about holiday travel, family plans, and wrapping up the year. Retirement accounts don’t usually make the list — but they should. Even if you’re not planning to make a contribution, execute a...Understanding UBIT and UDFI: When Your IRA’s Earnings Become Taxable
Not all income inside an IRA is automatically tax free, especially when leverage or active business activity is involved. Two key concepts every self directed investor should understand before year end are UBIT and UDFI. This article explains when these taxes apply, how to plan for them, and why they matter as 2026 tax changes approach. Whether you invest through real estate, private lending, or partnerships, understanding UBIT and UDFI can help you stay compliant and protect your returns.
How to Plan Your Year-End IRA Moves Before December 31
Before closing out the year, make sure your IRA gets the same attention as your other investments. A few key actions before December 31 can reduce taxes, prevent penalties, and position your account for stronger returns next year. This article outlines the most important year end steps to take, from confirming RMDs and evaluating Roth conversions to reviewing contributions, valuations, and beneficiary designations.