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How to Pay Zero Taxes on Your Social Security Benefits  Thumbnail

How to Pay Zero Taxes on Your Social Security Benefits

Most retirees don’t realize it, but they’re likely overpaying in taxes on their Social Security benefits. The good news? With the right strategy, you can dramatically reduce—or even eliminate—the taxes on your Social Security income. In this post, we’ll walk through a real-life case study to show how one couple legally kept more of their retirement income and slashed their tax bill.

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Exploring the Mega Backdoor Roth IRA Strategy  Thumbnail

Exploring the Mega Backdoor Roth IRA Strategy

For many people, contributing to a Roth IRA is a fantastic way to save for retirement due to its tax advantages. As long as you are over the age of 59.5 and have had the Roth IRA for at least 5 years, all your distributions in retirement are tax-free. Given the current economic climate, many experts anticipate that tax rates will rise in the near term. Even if no new tax laws are enacted, the Tax Cuts and Jobs Act will sunset after 2025, resulting in higher tax rates. Coupled with the recent federal spending due to the pandemic and increased government debt the likelihood of increased future taxes makes a Roth IRA even more valuable.

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