Roth IRAs

Here's how clients can get around income limits and continue making contributions. Plus, tips for updating a client's financial plan now and dramatically increasing wealth after the IRS gets paid.

Clients who want to reduce their expenses during retirement may want to move to a state that doesn’t tax these government benefits.

The proceeds can be used to pay the tax bill from converting a 401(k) and traditional IRA into a Roth account.

Changing a Medigap plan during open enrollment could be costly, especially when the switch happens after the initial six-month window.

Because federal rules now require parents to plan earlier for funding education, advisers can offer substantial value to clients through their financial aid expertise.

A bond subsector worth looking at. Plus, help clients keep what they owe the government to a minimum with a roadmap for drawing down assets.

Using these all-in-the-family approaches may be a planner's best way to serve clients and stand out, even against robo competitors.

While the fiduciary rule was cited as a positive, problems mentioned by Bogle included the incentive for companies to be “very stingy” with pension contributions since they come out of earnings.

A line-by-line review of this form can spark a broader financial review that benefits clients. Plus, turn medical expenses into deductions for the elderly.

These strategies show how the IRS may be able to take the bite out of student loans. Plus, Roth IRA losses and the benefits of owning company stock.