Oak Road

Insights

Woman celebrating her 65th birthday with a white frosted cake topped with number 65 candles, representing the age when many retirees ask about IRA taxes

Do I Have to Pay Taxes on My IRA After Age 65?

Still paying taxes on your IRA after 65? Here's exactly how Traditional and Roth IRAs are taxed in retirement — and the RMD rule most retirees miss.

Coin jar with a "Retirement" tag, representing the 401(k) or IRA savings decision

Is It Better to Have a 401(k) or an IRA?

401(k) or IRA — which one wins? The honest answer: it depends on your stage of life. See the pros, cons, and how a fee-only fiduciary weighs both.

Papers labeled Roth IRA, 401(k), and IRA (Individual Retirement Account) on a desk with a calculator, pen, and question mark sticky note

What Is an IRA? A Complete Guide to Traditional and Roth IRAs

Traditional or Roth IRA — which actually saves you more? A fee-only fiduciary breaks down taxes, contribution limits, and 401(k) trade-offs, plainly.

Can I Reinvest My RMD Money?

Don’t need your RMD for expenses? See where the money can go, why taxes still apply, and how to invest it with your retirement plan in mind.

Financial advisor calculating RMD withdrawal strategy with calculator and cash

What Is the Best Thing to Do With RMD Money?

See the 3 smart RMD strategies — spend it, reinvest it, or gift it via QCD — from a fee-only fiduciary advisor.

Stressed retiree with head in hands at desk, frustrated by RMD tax impact

Why Are RMDs Considered Bad?

RMDs force taxable income, higher tax brackets, and rising Medicare premiums, whether you need the money or not. Here's how to soften the hit.

Wooden blocks spelling RMD, representing required minimum distribution rules and the biggest RMD mistake retirees make

What Is the Biggest RMD Mistake?

The biggest RMD mistake isn't what most people think — and it can trigger IRS penalties or push you into a higher tax bracket. Here's how to avoid it.

A paper titled 'RMD — Required Minimum Distributions' resting on financial statements, with reading glasses and a pen — representing retirement account withdrawal rules.

Required Minimum Distributions: How They Work, How They're Taxed, and How to Lower Them

Required Minimum Distributions can push you into a higher tax bracket — and raise your Medicare premiums — without warning. Here's how RMDs work, how they're taxed, and the strategies Oak Road Wealth Management uses to lower them.

Senior man working on a laptop at home, representing someone who continues working full time while collecting Social Security at age 70.

Can I Collect Social Security at 70 and Still Work Full Time?

Yes — and your benefit won't shrink. Oak Road Wealth Management explains why age 70 is the magic number, plus the real (non-math) reason so many retirees keep working.