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Advisory Services Offered Through Client One Securities, LLC an Investment Advisor. Lund Financial and Client One Securities, LLC are not affiliated.
The Retirement Income Plan Most People Think They Have — But Don’t
Retirement isn’t about how much you’ve saved. It’s about how you turn your savings into income you can rely on — for 20, 30, or even 40 years. Most people believe their 401(k), IRA, or brokerage account is their retirement plan.But an investment account is not an...
Personalized Retirement Strategy: A Plan Built Around You
Retirement isn’t one-size-fits-all. Two people can retire the same year with the same savings and still need completely different strategies—because income needs, taxes, risk tolerance, health care costs, and family priorities are never identical. A personalized...
Annuities: Why They Can Be a Smart Addition to Your Portfolio
When you think about building a strong retirement plan, most people focus on a mix of stocks, bonds, and cash. But for many retirees and pre-retirees, there’s another tool that can add stability, predictability, and confidence: annuities. Annuities aren’t...
2026 Retirement Income Planning: A Practical Guide to Turning Savings Into Paychecks
Retirement planning changes once the paychecks stop. In your working years, the goal is usually growth. In retirement, the goal becomes reliable income, tax efficiency, and protecting your lifestyle—all while navigating market ups and downs. If you’re retired (or...
Long-Term Care Planning in 2026: The “Quiet” Risk That Can Reshape a Retirement Plan
When most people think about retirement planning, they focus on the big three: income, taxes, and investments. But there’s a fourth category that can quietly undo even a strong plan if it’s ignored: Long-Term Care (LTC) — the cost of ongoing help when someone needs...
A Well-Rounded Financial Plan Starts With the Whole Picture
When people think about “financial planning,” they often picture investing—choosing funds, watching the market, or trying to pick the right time to buy. But a truly well-rounded financial plan is bigger than a portfolio. A strong plan examines your total financial...
Retirement in 2026: 7 Smart Moves to Turn Savings Into a Paycheck (and Sleep Better Doing It)
Retirement planning in 2026 isn’t just about “saving more.” It’s about building a reliable income plan, keeping taxes predictable, and making sure your money is positioned to handle inflation, market swings, and healthcare costs—all while staying aligned with your...
2026 Retirement Planning Goals: A Simple Roadmap to Start the Year Right
Kick off 2026 with clear retirement planning goals. Learn the 6 most important steps to protect your income, reduce taxes, and stay on track. 2026 Retirement Planning Goals: A Simple Roadmap to Start the Year Right A new year is the perfect time to reset...
Why Annuities Can Be a Great Fit Heading Into 2026
As we move into 2026, many investors are asking the same question: How do I protect what I’ve built—without giving up the ability to grow? That’s exactly where annuities can play a meaningful role. Annuities aren’t for everyone, and they’re not “one-size-fits-all,”...
Advisory Services Offered Through Client One Securities, LLC an Investment Advisor. Lund Financial and Client One Securities, LLC are not affiliated.
Weekly Market Commentary
The holiday-shortened week produced gains across US indices and saw an emerging market ETF break out to all-time highs. The start of the Chinese Lunar New Year and Ramadan tempered international trading volumes. The tail end of Q4 earnings continued to show...
Weekly Market Commentary
US financial markets regressed in choppy trade. The narrative around the disruptive nature of AI continued to impact markets. Rotation away from growth and mega-cap issues continued while proceeds flowed to defensive sectors and small caps. Interest rate-sensitive...
Weekly Market Commentary
Investors endured a volatile week on Wall Street as 4th quarter earnings continued to roll in. Concerns about massive capital expenditures resurfaced after Amazon and Google announced $200 billion and $185 billion in capex, respectively. This comes after last week’s...
Weekly Market Commentary
Markets ended the week mixed. With just over a third of the S&P 500 having reported fourth-quarter earnings, this earnings season appears much better than anticipated. That said, despite better-than-expected results, many companies have sold off after the...
Weekly Market Commentary
Global equity markets finished the week mixed, with US markets posting their second straight week of losses. Geopolitical concerns and trade tensions were top of mind for investors as global leaders met in Davos at the World Economic Forum. President Trump’s sharp...
Weekly Market Commentary
US financial markets ended the week with mixed results as investors assessed the first week of fourth-quarter earnings. Earnings results from the banks initially prompted selling, but this may have been due to President Trump’s call for a 10% cap on credit card...
Weekly Market Commentary
US equity markets notched new highs in the second week of the new year, even as geopolitical tensions increased in several regions. The new highs came on a broadening out of the rally, with cyclicals and small caps leading the way. It was a busy week, with several...
2026: Here We Go Again!
By Andy Ives, CFP®, AIF® IRA Analyst It’s a new year, and the slate is wiped clean. Here we go again! While we are only one week into 2026, there are some important IRA and work plan transactions to be aware of: First RMDs. For anyone turning age 73 in 2026, this year...
Coming Soon: The Thrift Savings Plan Will Start Offering In-Plan Roth Conversions
By Ian Berger, JD IRA Analyst Since 2010, participants in certain private sector 401(k) plans have been able to boost their Roth retirement savings by doing an “in-plan Roth conversion” of non-Roth plan funds to a Roth account within the same plan. This plan feature...
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Advisory Services Offered Through Client One Securities, LLC an Investment Advisor. Lund Financial and Client One Securities, LLC are not affiliated.
Non-Spouse Beneficiaries and Funding QCDS: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: If a non-spouse beneficiary inherits a 401(k), what are the options? Can you roll the money into an inherited IRA? Are there any other options, and over what time period does each option require the account to be drained?...
The Strange RMD Rules for Ex-Spouses After a Divorce
By Ian Berger, JD IRA Analyst “Qualified domestic relations orders” (QDROs) are court orders used to divide ERISA retirement plan assets after a divorce. Normally, after a QDRO is approved by a defined contribution plan like a 401(k), the plan will establish a...
Five Last-Minute Tips for 2025 IRA Contributions
By Sarah Brenner, JD Director of Retirement Education The tax-filing deadline is almost here. Are you thinking about making a 2025 IRA (traditional or Roth) contribution? Time is quickly running out. Here are some last-minute tips to keep in mind as you make your IRA...
Tax Withholding from a Qualified Charitable Distribution (QCD) and from a Roth Conversion: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: I had my IRA custodian send my required minimum distribution (RMD) from my IRA to our church, but had 20% federal taxes withheld. Subsequently, I received two Form 1099-Rs from the custodian. One showed the withheld...
No Joke – Today is a Required Beginning Date!
By Andy Ives, CFP®, AIF® IRA Analyst Today is April 1, and that’s a big day! No, not because it’s April Fool’s Day, but because today is the required beginning date (RBD) for any traditional IRA owner who turned age 73 in 2025. Based on census data, that could...
8 Rules to Help Navigate the Multiple Plan Contribution Limits
Ian Berger, JD IRA Analyst More and more Americans are taking on “side gigs” or switching jobs. When that happens, they often wind up participating in two different employer retirement plans at the same time or in the same year. Here are 8 rules to help you understand...
Eligible Designated Beneficiaries and Roth Conversions: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Hi Ed and team, If a parent, age 86, inherited their son’s 401(k) after the son passed at age 58, does the parent still have 10 years to withdraw the funds? A lot is discussed about beneficiaries...
5 Things You Need to Know about the Roth IRA Five-Year Rules
By Sarah Brenner, JD Director of Retirement Education Here at the Slott Report, we get a lot of questions on all sorts of different IRA topics. However, one area where we consistently get the most inquiries is the five-year rules for Roth IRA distributions....
Young Spouse, Spousal Rollover, Year-of-Death RMD…and a Penalty?
By Andy Ives, CFP®, AIF® IRA Analyst When an IRA owner reaches the required beginning date (RBD), required minimum distributions (RMDs) are officially “turned on.” For IRAs, the RBD is April 1 of the year after the year the IRA owner turns age 73. If an IRA owner died...