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The views reflected by the author in this article are subject to change at any time without notice. Osprey Retirement Solutions deems reliable any statistical data or information obtained from or prepared by third-party sources included in this article, but in no way guarantees its accuracy or completeness.
4 Key Decisions for Early Retirement
‘Will your money last?’ isn’t the only question to consider before retiring. I was chatting with a friend the other day about his retirement—possibly an early one. At age 60, he has worked hard, saved aggressively, and invested well. Most important, he’s pretty burned...
How to Plan for Retirement Like a Veteran
Surveys show ex-service members retire with more assets, less debt and greater confidence. Here are six ways to follow their lead. When her son Corbett joined the Marine Corps right out of high school in 2013, Lara Ferguson was surprised to learn that he was required...
6 things to consider when saving for retirement.
Retirement is a time to enjoy your golden years and live life to the fullest. But in order to do that, it's important to start planning early. Retirement savings can be a complex topic, but there are a few key things to keep in mind to get started. 1. Start saving...
The Transition to Retirement: 11 Exceptional Tips for the Average Joe or Jane
Baby boomers were never “average.” The generation wears uniqueness is a badge of honor. However, approximately 10,000 boomers turn 65 everyday. While we each have specific goals, ideas and financial circumstances, there are some things that apply to us all. Here is...
Is 2025 a Bad Year To Retire With the Stock Market in the Dumps?
2025 may seem like a bad year to retire if you're looking at the stock market alone. But that's not the only consideration. It sure seems like a bad year to retire. The stock markets are falling, taking 401(k) balances along with it, tariffs are in place, federal...
5 Dos and Don’ts When Lending Money to Loved Ones
Helping friends or family shouldn’t mean hurting your finances Let’s face it: Money is tight for many people. And if you have loved ones in your life who are struggling financially, you may feel inclined to help them. If you do, proceed with caution. According to a...
11 Mistakes Retirees Make at the Supermarket
It’s not just inflation. Your bad habits may explain why you’re paying too much for groceries. Retirees living on fixed incomes have been feeling the pinch of rising grocery costs. Grocery prices in February rose 2.6 percent year-over-year, according to the U.S....
Retire with confidence: Master your finances and lifestyle
Discover steps to help you prepare for retirement Imagine this: After decades of hard work and dedication, you’re just 12 months away from the retirement of your dreams. Exciting, right? But hold on, this final stretch is crucial. Let’s make sure you’re fully prepared...
7 Strategies for More Income in Retirement
“Old age is always fifteen years older than I am.” —Bernard Baruch, American financier, investor, statesman and philanthropist One of the biggest fears people have is running out of money in retirement. And for many Americans, this is a very real risk, not an...
The views reflected by the author in this article are subject to change at any time without notice. Osprey Retirement Solutions deems reliable any statistical data or information obtained from or prepared by third-party sources included in this article, but in no way guarantees its accuracy or completeness.
Weekly Market Commentary
-Darren Leavitt, CFA It's been a difficult month for investors, and sentiment indicators tell that story. Wall Street appeared poised to build on the prior week's gains, but regressed again as mixed signals on tariffs and a loss of sentiment gave reason to sell. ...
Weekly Market Commentary
-Darren Leavitt, CFA The S&P 500 avoided a fifth straight week of losses as investors continued to assess the impact of Trump’s policies. A late rally on Friday afternoon, fueled on heavy volume from quarterly options' expiration, helped propel the S&P 500...
Weekly Market Commentary
-Darren Leavitt, CFA Investors endured the fourth consecutive week of losses in US equity markets as concerns around tariffs and their impact on the economy continued to weigh on sentiment. Several investment banks decreased their assessment of US equities and...
Weekly Market Commentary
-Darren Leavitt, CFA Economic growth concerns weighed on US financial markets as manic trade policy fostered uncertainty and volatility. It was a hectic week as investors tried to make sense of Trump’s tariffs on Canada, Mexico, and China. The announcement that...
Weekly Market Commentary
-Darren Leavitt, CFA Growth concerns entered the market narrative as investors continued to look at policy uncertainties on tariffs and the strains on geopolitical relations. The Trump administration confirmed that 25% tariffs on Canada and Mexico would be effective...
Weekly Market Commentary
-Darren Leavitt, CFA The holiday-shortened week saw the S&P 500 hit all-time highs, but late in the week, the move abruptly succumbed to consolidation pressure. Investors are worried about valuations, trade tensions, inflation, and declining consumer sentiment. A...
Weekly Market Commentary
-Darren Leavitt, CFA Despite all of the uncertainties within the investment landscape, global markets were able to post nice gains last week. Fourth-quarter earnings continued to roll in with notable results from Coca-Cola, McDonald's, Roku, Cisco Systems, Draft...
Weekly Market Commentary
-Darren Leavitt, CFA Uncertainty about global trade continued to be at the top of investors' minds as Trump announced 25% tariffs on Mexico and Canada while levying 10% on Chinese goods. Mexico and Canada's immediate reaction was to place tariffs on US goods. But an...
Weekly Market Commentary
Darren Leavitt, CFA US financial markets were extremely busy last week as a rush to download a Chinese AI platform called Deep Seek from Apple’s App Store seemingly changed the narrative around artificial intelligence in a heartbeat and on multiple fronts. Capital...
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Trump Accounts and Required Minimum Distributions: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: What’s your opinion of the value of Trump Accounts? Worth it for kids? Should the child do a Roth conversion at age 18? Or is it better just to do a Uniform Transfers to Minors Act (UTMA) account? Or perhaps a mix...
New Trump Account Developments
By Ian Berger, JD IRA Analyst With contributions to Trump Accounts expected to begin in just a few months, there are some new developments to report. As a reminder, Trump Accounts are tax-deferred savings accounts for children. They were established by Congress...
5 Tips for Making Your 2025 Roth IRA Contribution
By Sarah Brenner, JD Director of Retirement Education The tax season is upon us. This is the time when many people consider contributing to a retirement account. You may be interested in the Roth IRA, which offers the promise of tax-free withdrawals in...
Conversions of Property and Conversions of Inherited IRA Funds: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst A member of Ed Slott’s Elite Advisor Group℠ emailed us recently with a question about a minor child as beneficiary of her father’s IRA. The question was brief, and I think the expectation was that our reply would be of...
Real Life Scenario: Minor as EDB Beneficiary
By Andy Ives, CFP®, AIF® IRA Analyst A member of Ed Slott’s Elite Advisor Group℠ emailed us recently with a question about a minor child as beneficiary of her father’s IRA. The question was brief, and I think the expectation was that our reply would be of...
How In-Plan Roth Conversions Work
By Ian Berger, JD IRA Analyst In the January 5 edition of the Slott Report, we mentioned that the federal Thrift Savings Plan (for government workers and the military) started offering in-plan Roth conversions on January 28. This article will provide more...
Health Savings Accounts and the “Still-Working” Exception: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Please explain the rules and qualifications for rolling over a portion of an IRA to a Health Savings Account (HSA). Thank you, Bill Answer: Hi Bill, A Qualified HSA Funding Distribution (QHFD) is...
Don’t Miss This Rule That Allows Smaller RMDs
By Sarah Brenner, JD Director of Retirement Education If you are age 73 or older in 2026, you will need to take a required minimum distribution (RMD) from your IRA. Usually, an RMD is calculated using the IRS Uniform Lifetime Table. However, if you are married...
Three Basic IRA Rules that Must Be Understood
By Andy Ives, CFP®, AIF® IRA Analyst Each year, in different cities, the Ed Slott team hosts several advisor training events for financial professionals serious about learning. These 2-day programs start with our cannonballing into the retirement account pool,...
The views reflected by the author in this article are subject to change at any time without notice. Osprey Retirement Solutions deems reliable any statistical data or information obtained from or prepared by third-party sources included in this article, but in no way guarantees its accuracy or completeness.
HSAs and Medicare: Things to consider when you turn 65
Retiring soon and wondering what to do with your health savings account (HSA)? You’re not alone – many people find the rules around HSAs and Medicare to be confusing. Here’s what you need to know about having an HSA after 65, spending your contributions and avoiding...
read more
12 Things Caregivers Need to Know About Medicare
Learn how to navigate the system to get the best coverage for your loved one Medicare can be complicated when you’re making your own health care decisions, but it has an extra layer of complexity when you’re trying to help a sick or aging relative navigate the system....
read more
Preparing for Future Health Care Needs
Many people assume that their family members would automatically be able to make decisions about medical treatments if they were to become incapacitated. But rules vary greatly from state to state. In some cases, decisions are left up to the health care providers and...
read more
Get the care you need quickly when you’re sick
Discover 6 ways to access care fast, even if your doctor is busy. Hint: You may not need to go in person. Doctors’ offices are busier than ever these days. Sometimes it can be tough to book a timely appointment with your primary care provider. You might be sick or...
read more
7 Medicare Changes You’re Seeing in 2025
Expensive medications? You’ll save thousands. Dementia or mental health care? More options Key takeaways Changes from Inflation Reduction Act are in effect now. Lower out-of-pocket limit in Part D drug plans erases old “donut hole.” You may find weight loss...
read more
It’s Time to Shop for Medicare, and 2025 Brings Big Changes
A bumper crop of revisions, including a stronger drug benefit, means the plan you enrolled in for 2024 may not be the best fit next year. Americans on Medicare will see big, and welcome, changes next year. The program’s prescription drug insurance will be much...
read more
5 big changes to Medicare 2025 plans you should know during open enrollment
Big changes to Medicare plans are in store for 2025 as open enrollment is underway. Medicare is a federal health insurance program for older adults ages 65 and older. Open enrollment for 2025 Medicare plans runs through December 7. Some major changes in 2025 include a...
read more
Capturing the Opportunity: Medicare Advantage Trends to Watch in 2025
Key lessons learned from the 2025 Medicare Annual Enrollment Period (AEP); plus actionable strategies for Medicare Advantage plans looking to improve member experience and reduce costs. 2025 is set to be a pivotal year for Medicare plans nationwide. As the market...
read more
What You’ll Pay in Out-of-Pocket Medicare Costs in 2025
“How much can I expect to pay out of pocket for Medicare coverage?” It’s something you might be wondering if you’re age 65+ or about to turn 65. Medicare expenses are a big concern for many older adults, especially those on a fixed or limited income. The first step to...
read more
HSAs and Medicare: Things to consider when you turn 65
Retiring soon and wondering what to do with your health savings account (HSA)? You’re not alone – many people find the rules around HSAs and Medicare to be confusing. Here’s what you need to know about having an HSA after 65, spending your contributions and avoiding...
12 Things Caregivers Need to Know About Medicare
Learn how to navigate the system to get the best coverage for your loved one Medicare can be complicated when you’re making your own health care decisions, but it has an extra layer of complexity when you’re trying to help a sick or aging relative navigate the system....
Preparing for Future Health Care Needs
Many people assume that their family members would automatically be able to make decisions about medical treatments if they were to become incapacitated. But rules vary greatly from state to state. In some cases, decisions are left up to the health care providers and...
Get the care you need quickly when you’re sick
Discover 6 ways to access care fast, even if your doctor is busy. Hint: You may not need to go in person. Doctors’ offices are busier than ever these days. Sometimes it can be tough to book a timely appointment with your primary care provider. You might be sick or...
7 Medicare Changes You’re Seeing in 2025
Expensive medications? You’ll save thousands. Dementia or mental health care? More options Key takeaways Changes from Inflation Reduction Act are in effect now. Lower out-of-pocket limit in Part D drug plans erases old “donut hole.” You may find weight loss...
It’s Time to Shop for Medicare, and 2025 Brings Big Changes
A bumper crop of revisions, including a stronger drug benefit, means the plan you enrolled in for 2024 may not be the best fit next year. Americans on Medicare will see big, and welcome, changes next year. The program’s prescription drug insurance will be much...
5 big changes to Medicare 2025 plans you should know during open enrollment
Big changes to Medicare plans are in store for 2025 as open enrollment is underway. Medicare is a federal health insurance program for older adults ages 65 and older. Open enrollment for 2025 Medicare plans runs through December 7. Some major changes in 2025 include a...
Capturing the Opportunity: Medicare Advantage Trends to Watch in 2025
Key lessons learned from the 2025 Medicare Annual Enrollment Period (AEP); plus actionable strategies for Medicare Advantage plans looking to improve member experience and reduce costs. 2025 is set to be a pivotal year for Medicare plans nationwide. As the market...
What You’ll Pay in Out-of-Pocket Medicare Costs in 2025
“How much can I expect to pay out of pocket for Medicare coverage?” It’s something you might be wondering if you’re age 65+ or about to turn 65. Medicare expenses are a big concern for many older adults, especially those on a fixed or limited income. The first step to...