If you must report distributions from a variety of retirement plans, investments, and accounts, the IRS has provided a head start by issuing the 2026 instructions for Forms 1099-R and 5498.

One of the most tax-friendly provisions of an IRA is the ability for IRA owners who are at least age 70½ to donate up to $108,000 (2025 limit) directly to an eligible charity from their IRA. This is ...

If you have a traditional IRA and you’re nowhere near 59½, you’ve heard the warning: pull money out early and the IRS slaps a 10% penalty on top of regular income tax. There’s a workaround written ...

When you take money from your 401(k) through a withdrawal, rollover or loan default, the IRS requires specific reporting on your tax return. The forms you receive, what each figure represents and how ...

If you have a Roth IRA, you have an emergency fund hiding in plain sight. Every dollar you personally contributed, not the ...

Roth IRA contributions come out tax-free and penalty-free at any age; custodians like Charles Schwab (SCHW) track your basis on Form 5498. IRS ordering rules under IRC Section 408A always pull ...

Denise Appleby is CEO of Appleby Retirement Consulting Inc., a firm that provides consulting on the tax laws and operational requirements that apply to IRAs and employer plan accounts. She is also the ...

Investing 33% of net worth in energy infrastructure? Learn 3 key reasons, the biggest risk, and 2 top picks to consider now—read the article.

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