Insights & Financial News | Oak Road Journal

Insights

Are Backdoor Roth IRAs Still Legal?

Are Backdoor Roth IRAs still legal in 2026? YES. Learn the new $7,500 limits, SECURE 2.0 catch-up rules, and tax-saving strategies used by high income earners.

A balanced wooden scale compares blocks labeled 'MERIT' on the left with blocks labeled 'DEMERIT' on the right. A green banner above asks 'What Are the Disadvantages of a Backdoor Roth?', illustrating a financial risk-reward assessment for high earners.

What Are the Disadvantages of a Backdoor Roth?

High earners use the backdoor Roth for tax-free growth, but the Pro-Rata Rule can be a costly trap. Discover the disadvantages you must avoid this year.

What Do Most People Do With Their 401(k) When They Retire?

Most retirees make the wrong move with their 401(k) — and it costs them. Learn the 4 options, the real pros and cons, and what Oak Road Wealth Management recommends for a smarter retirement.

What Is the Biggest Mistake with Wills?

Many wills have a flaw that costs families thousands — or worse, hands custody of your kids to a judge. Find out if yours is one of them.

Why Does Everyone Want to Avoid Probate?

Probate can consume 3–7% of your estate and drag on for over 12 months — all in public record. Learn how to avoid probate and keep more in your family's hands.

What Assets Should Not Be in a Will?

A missing beneficiary on your 401(k) can cause serious problems. Find out what assets should not be in a will before it's too late to fix it.

What Is the Major Disadvantage of a Trust?

Everyone assumes a trust is the smart move. Sometimes it's overkill. Discover the major disadvantage of a trust — and what actually works better.

A gavel, scales of justice, and legal document on a desk — illustrating the main purpose of having a trust in estate planning.

What Is the Main Purpose of Having a Trust?

Trusts aren't just for the wealthy. The main purpose of having a trust is simpler than you think — and it could save your family months of legal headaches.

What Shouldn’t You Put in a Trust?

Your trust won't protect everything—and putting the wrong assets in could trigger a massive tax bill. Find out what to keep out, including IRAs and retirement accounts.