Insights & Financial News | Oak Road Journal

Insights

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.

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.

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

Withdrawing extra from your IRA won't trigger a penalty — but it could bump you into a higher tax bracket. Here's the RMD rule most retirees miss.

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.

Yes, you can gift your RMD — but the IRS still sends the bill to you, not your family. See how RMD taxes actually work before you write that check.

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

The default rate might be costing you more than it should. Here's how to set the right withholding — and what most retirees miss.

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.