“Third-Party Posts”
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.
How an annuity can help as you plan for retirement
As you approach retirement, you may be wondering what are the next steps for your investments. An annuity may be an effective tool for you in retirement planning by providing a steady and reliable income stream. With 2024 being the year with the greatest number of...
9 Ways Retirement Will Be Different in 2025
How changes in Social Security, Medicare, 401(k) contributions and more will affect your finances Retirement is not static. Even when the kids are gone and the career is done, your lifestyle and expectations are constantly evolving. So are your finances. Areas key to...
Important Tasks & Decisions for Each Phase of Retirement Planning
Important Tasks & Decisions for Each Phase of Retirement Planning Retirement. It tends to be a catch-all word that generally refers to the light at the end of the tunnel after years of hard work. It’s a time to enjoy the things in life that matter the most, like...
Retirement Challenges in 2025: Market Volatility, Inflation and Social Security
Inflation, uncertain markets and a limited Social Security COLA are among the financial hurdles for retirees in 2025. Key Takeaways High interest rates may complicate investment decisions for retirees. Social Security recipients are getting a 2.5% raise, which may lag...
3 Social Security Changes Retirees Need to Know About in 2025
Key Points A modest cost-of-living adjustment (COLA) will make benefit checks bigger. Note that higher earners will pay a bit more in Social Security taxes. Retirees still earning income may have some of their benefits temporarily withheld. The $22,924 Social Security...
If you’re nearing retirement, these 2025 changes could affect your finances. Here’s what to know
Key Points If you’re nearing retirement, key changes for 2025 could affect your finances, according to Professionals. Starting in 2025, there’s a higher 401(k) plan catch-up contribution for workers ages 60 to 63. Plus, there are new rules for inherited individual...
A Checklist for Retiring in 2025
Our checklist for retiring next year includes everything you need to do before the retirement party. Only you can know if you're ready for a checklist for retiring in 2025. If you’re 60 or getting there, retirement is no longer a hazy concept in the distance. It’s a...
Social Security’s full retirement age is increasing in 2025. Here’s what to know.
Most Americans may consider the standard retirement age to be 65, but the so-called "full retirement age" for Social Security is already older than that — and it's about to hit an even higher age in 2025. Social Security's full retirement age (FRA) refers to when...
5 Key Changes to 401(k)s in 2025 and What They Mean for You
These new rules could make it easier for you to save more money for retirement Participating in a 401(k) plan where you work is a smart way to invest for retirement. Plus, your employer may match some or all of the money you contribute. In 2025 the rules for 401(k)s...
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 Wow, what a week! US markets were closed on Monday for Martin Luther King Jr. Day, and Donald Trump was inaugurated as the 47th President of the United States. It was a historic day indeed. The global markets were poised for a barrage of executive...
Weekly Market Commentary
-Darren Leavitt, CFA Financial markets advanced this week as a solid start to the fourth-quarter earnings season, and some better-than-feared inflation data gave investors a reason to buy the most recent dip. The financial sector gained 6.1% on the week as bank...
Weekly Market Commentary
-Darren Leavitt, CFA US equity markets fell in the first full week of 2025 as investors recalibrated their Federal Reserve monetary policy expectations. Stronger labor data, a robust ISM Services print, and a weaker Consumer Sentiment report showing increased...
Weekly Market Commentary
-Darren Leavitt, CFA The final trading sessions for 2024 extended losses from the prior week, but the S&P 500 and NASDAQ still posted impressive gains for the year, 23.3% and 28.6%, respectively. The so-called Santa Clause Rally did not appear for the second...
Weekly Market Commentary
-Darren Leavitt, CFA Market action was mixed in a holiday-shortened week of trade. The Santa Clause rally, which runs for the last five trading sessions of the year through the first two trading sessions of the New Year, kicked off with gains from mega-cap...
Weekly Market Commentary
-Darren Leavitt, CFA Equity and fixed-income markets sold off for the second consecutive week as the Federal Reserve delivered an expected twenty-five basis-point rate cut but pivoted to a much more hawkish stance for 2025, where the committee now expects only two...
Weekly Market Commentary
-Darren Leavitt, CFA The Nasdaq eclipsed the 20,000 level for the first time this week as investors reengaged in buying the mega-cap technology names. Amazon, Google, Tesla, and Meta hit new highs for the year as investors heard about more advances in AI and quantum...
Weekly Market Commentary
The S&P 500 forged another set of all-time highs as investors embraced the idea of an economy running at a pace appropriate for the Fed to consider further rate cuts. Leadership in the market toggled back to the mega-cap technology issues, with the communication...
Weekly Market Commentary
The S&P 500 forged another set of all-time highs as investors embraced the idea of an economy running at a pace appropriate for the Fed to consider further rate cuts. Leadership in the market toggled back to the mega-cap technology issues, with the communication...
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Required Minimum Distributions and Inherited Roth IRAs: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: I am age 75 and have just one IRA. I normally do multiple qualified charitable distributions (QCDs) during the year. I also make one or more partial Roth conversions during the year. Please confirm or correct my...
You’ll Need to Report Certain IRA and Retirement Plan Distributions Differently on This Year’s Form 1040
By Ian Berger, JD IRA Analyst With all the tax changes made by the 2025 One Big Beautiful Bill Act (OBBBA), it’s no surprise that the IRS has made significant changes to the 2025 Form 1040 and supporting schedules and forms. Near the beginning of each year’s 1040...
Naming a Trust for a Minor as IRA Beneficiary
By Sarah Brenner, JD Director of Retirement Education Everyone has heard the horror stories of how unneeded and unwanted trusts disrupted what should have been a smooth transition of wealth. However, it is important to recognize that estate planning for IRAs is...
Roth IRA Distribution Rules and Rollovers of Required Minimum Distributions: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: If I have had my Roth IRA for 20 years and I do a conversion from my traditional IRA, is the five-year rule in effect for each conversion? I’m under the impression that once I held my Roth for more than five years I don’t have...
A Different Fix: Excess IRA vs. 401(k) Plan Contributions
By Andy Ives, CFP®, AIF® IRA Analyst Excess IRA contributions occur for many reasons, like making a contribution without eligible compensation, accidentally exceeding the Roth IRA phase-out limits, rolling over a required minimum distribution (RMD), etc. Excess...
How the Vesting Rules Work for Company Retirement Plans
By Ian Berger, JD IRA Analyst Thinking about leaving your job? Make sure you understand the vesting schedule that applies to your retirement plan. It may pay to stick it out a little longer to become more “vested” in your plan. Otherwise, you may lose out on...
Eligible Designated Beneficiaries and Roth IRA Contributions: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Hello! I have been a big fan for a long time. I have a question regarding a Roth IRA I inherited from my younger brother last year. I have heard that I must empty this account by the end of 2035. I...
Spousal IRA Contributions
By Sarah Brenner, JD Director of Retirement Education IRA and Roth IRA contributions are only permitted when you have taxable “compensation” or earned income. Typically, whether or not a person has compensation is a relatively straightforward determination. For...
Inherited Roth IRAs and Successor Beneficiaries
By Andy Ives, CFP®, AIF® IRA Analyst In our December 8, 2025 Slott Report entry (“Yes, RMDs Apply to Inherited Roth IRAs, But…”), we wrote about the application of required minimum distributions (RMDs) to inherited Roth IRAs. As expected, that article received...
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.
The Medicare Part D Donut Hole Disappears in 2025
Key takeaways: The Medicare Part D coverage gap known as the “donut hole” will end in 2024. As of January 1, 2025, Medicare Part D plans will have a $2,000 out-of-pocket limit. If you reach that threshold, your plan will pay for all of your covered medications in full...
read more
What You Need to Know About Changes to Medicare Part D in 2025
Two important changes are coming for Medicare Part D beneficiaries in 2025 as a result of the Inflation Reduction Act: Annual out-of-pocket (OOP) cap of $2,000 for prescription drugs. Medicare Prescription Payment Plan (MPPP), which will allow beneficiaries who opt in...
read more
Medicare benefits in 2025: 4 big changes every enrollee should know
Big changes are coming to Medicare in 2025, and they could make a major difference in your prescription drug costs. Thanks to the Inflation Reduction Act, Medicare beneficiaries will see the most significant updates to the program’s drug coverage since it was first...
read more
CMS Announces 2025 Premiums and Deductibles for Medicare Parts A and B
Last week, the Centers for Medicare & Medicaid Services (CMS) released information about Medicare costs in 2025, including the 2025 premium, deductible and coinsurance amounts for Medicare Part A and Part B. The agency also announced the income-related monthly...
read more
Comparing Plans is Especially Important This Open Enrollment Season Due to Changes in Part D Protections and New Options
Key components of the Inflation Reduction Act’s Part D reforms will be fully implemented for plans offered in 2025. These changes, including the total elimination of the “coverage gap” coverage period, the establishment of a $2,000 cap on beneficiary out-of-pocket...
read more
CMS Finalizes Payment Rule, Including Update to the Custody Definition
Medicare payment rules prohibit coverage for a service if a beneficiary is not financially responsible for the care or if another government entity is obligated to provide or pay for the item or service. For years, the Medicare rules interpreting and implementing this...
read more
Health Care Access Improving in Rural Areas, Challenges Persist
A new report from the U.S. Department of Health and Human Services’ (HHS) Office of the Assistant Secretary for Planning and Evaluation (ASPE) examines trends in health care access and outcomes in rural America. While insurance rates in these areas are improving,...
read more
Millions See Cost Savings Under the Inflation Reduction Act
The Inflation Reduction Act (IRA) made significant improvements to Medicare prescription drug access and affordability, including by restructuring the Part D benefit to limit enrollee expenses. Those changes began in January 2024, when the IRA eliminated cost sharing...
read more
Healthcare.gov Now Open for 2025 ACA Plan Shopping
Now is the time for people who need health insurance in 2025 to shop for coverage. For those without employer, Medicare, or Medicaid coverage, Healthcare.gov or their state exchange is the place to shop for Affordable Care Act (ACA) plans. Most shoppers will be able...
read more
The Medicare Part D Donut Hole Disappears in 2025
Key takeaways: The Medicare Part D coverage gap known as the “donut hole” will end in 2024. As of January 1, 2025, Medicare Part D plans will have a $2,000 out-of-pocket limit. If you reach that threshold, your plan will pay for all of your covered medications in full...
What You Need to Know About Changes to Medicare Part D in 2025
Two important changes are coming for Medicare Part D beneficiaries in 2025 as a result of the Inflation Reduction Act: Annual out-of-pocket (OOP) cap of $2,000 for prescription drugs. Medicare Prescription Payment Plan (MPPP), which will allow beneficiaries who opt in...
Medicare benefits in 2025: 4 big changes every enrollee should know
Big changes are coming to Medicare in 2025, and they could make a major difference in your prescription drug costs. Thanks to the Inflation Reduction Act, Medicare beneficiaries will see the most significant updates to the program’s drug coverage since it was first...
CMS Announces 2025 Premiums and Deductibles for Medicare Parts A and B
Last week, the Centers for Medicare & Medicaid Services (CMS) released information about Medicare costs in 2025, including the 2025 premium, deductible and coinsurance amounts for Medicare Part A and Part B. The agency also announced the income-related monthly...
Comparing Plans is Especially Important This Open Enrollment Season Due to Changes in Part D Protections and New Options
Key components of the Inflation Reduction Act’s Part D reforms will be fully implemented for plans offered in 2025. These changes, including the total elimination of the “coverage gap” coverage period, the establishment of a $2,000 cap on beneficiary out-of-pocket...
CMS Finalizes Payment Rule, Including Update to the Custody Definition
Medicare payment rules prohibit coverage for a service if a beneficiary is not financially responsible for the care or if another government entity is obligated to provide or pay for the item or service. For years, the Medicare rules interpreting and implementing this...
Health Care Access Improving in Rural Areas, Challenges Persist
A new report from the U.S. Department of Health and Human Services’ (HHS) Office of the Assistant Secretary for Planning and Evaluation (ASPE) examines trends in health care access and outcomes in rural America. While insurance rates in these areas are improving,...
Millions See Cost Savings Under the Inflation Reduction Act
The Inflation Reduction Act (IRA) made significant improvements to Medicare prescription drug access and affordability, including by restructuring the Part D benefit to limit enrollee expenses. Those changes began in January 2024, when the IRA eliminated cost sharing...
Healthcare.gov Now Open for 2025 ACA Plan Shopping
Now is the time for people who need health insurance in 2025 to shop for coverage. For those without employer, Medicare, or Medicaid coverage, Healthcare.gov or their state exchange is the place to shop for Affordable Care Act (ACA) plans. Most shoppers will be able...