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You Have Enough to Retire. So Why Does Your Money Feel Locked Up Until 59½?

Retirement Income Strategies Michael Ryan
Having enough money to retire and having enough money you can actually spend are two different problems. You can build a seven-figure retirement portfolio, run...

Roth IRA Withdrawal Rules: What You Can Take Out and When

IRAs Michael Ryan
Roth IRA withdrawals follow an order. Regular contributions first, conversions and rollovers next, and earnings last. That's why being under age 59½ doesn't automatically...

Rule of 55 vs. 72t Which Early-Withdrawal Strategy Fits?

Retirement Planning Michael Ryan
You turn 55 in January. You’re laid off in December, a few weeks too early. That calendar year difference can eliminate the Rule of...

72(t) Rule and SEPP: How to Access Retirement Money Before 59½

IRAs Michael Ryan
The reg 72(t) rule can let you take taxable retirement money before age 59½ without the usual 10% additional tax. You do it by...

Rule of 55 for 401(k)s: Eligibility, Withdrawals and Traps

401k & Employer Plans Michael Ryan
The Rule of 55 for a 401(k) may let you take distributions before age 59½ without paying the additional 10% federal tax on early...

Roth Conversion and IRMAA Planning: How Much Should You Convert?

IRAs Michael Ryan
A Roth conversion can create two bills. The first arrives at tax time. The second may not show up until two years later, when...

IRMAA Income Checker: What Counts Toward MAGI?

Health Insurance Michael Ryan
Build the right MAGI number before you test the threshold. Most IRMAA calculators start with a box that says Enter your MAGI. That is fine...

How Much Do I Need to Retire at 65? A Financial Planners Perspective

Retirement Planning Michael Ryan
If you find yourself asking, “How much do I need to retire at 65?” the real question is not whether you have $500,000, $1...
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