Cashing out an annuity triggers surrender charges, ordinary income tax, and possibly a 10% IRS penalty — all at once. Here's how to sequence your exit to minimize the damage in 2026.
Most people who regret a reverse mortgage didn't understand the costs, the loan trigger events, or the Medicaid implications. Here's the honest 2026 picture for US homeowners 62+.
The pro-rata rule silently taxes backdoor Roth conversions when you hold pre-tax IRA money. Exact steps, 401k rollover fix, Form 8606 filing, and 2026 income thresholds.
Run the break-even math on taking your DB pension as a lump sum vs monthly payments. Includes sequence-of-returns risk, survivor benefits, and the discount-rate trap most retirees miss.
Complete 2026 guide to Gold IRA rollovers — how self-directed IRAs work, custodian rules, eligible metals, real fee structures, and the industry sales tactics to avoid.
LTC insurance vs self-insure in 2026: premiums at 55 vs 65, hybrid life+LTC policies, state partnership programs, HSA strategy, and how to avoid the $100k+ care trap.