MarketWatch & Florida Today
November 12, 2025
What’s the right time of year to take my RMD?
An important factor is what you plan to do with the money once it is out of your IRADear Dan, I usually take my required minimum distribution from my IRA…
July 19, 2026
Can former employers withhold money from your 401(k) when you’re laid off?
There are two main ways to move money from your workplace retirement plan when you leave your job. One can cost you.Dear Dan, I was waiting at a bar for…
June 30, 2026
Will this refinancing strategy reduce the tax bite from RMDs?
I want to offset RMD income with a mortgage interest deduction Dear Dan, I want to reduce the tax bite once I start taking required minimum distributions. I was looking…
May 12, 2026
What to know about investing in SpaceX — or any company — before it goes public
IPOs often come with great stories, optimism and tons of media coverage Dear Dan, I’m pretty excited that SpaceX is going public. Can I get in on it before the…
April 20, 2026
Do I earn too much to contribute to an IRA?
You may not be eligible — here are your options Dear Dan, I’m single, 46, and put the max $7,000 into my IRA in June, thinking I’d be able to…
March 18, 2026
I’m rethinking my retirement plan. How can I judge the best investments?
Overreliance on ‘past performance’ can send you down the wrong path Dear Dan, Near the end of your article about Roth catch-up contributions, you suggested, “This is a good time for…
February 14, 2026
My employer is forcing me into a Roth 401(k). Is there anything I can do?
High earners have to pay tax on their catch-up 401(k) contributions and deposit them into workplace Roth accountsDear Dan, I just got my first paycheck of the year, and it shows…
January 21, 2026
Can I leave my 401(k) with my employer when I retire?
There are a few options for your 401(k) when you leave a job — some are better than others. Dear Dan, One of my coworkers is retiring next month, and…
December 9, 2025
My RMD starts next year. Should I convert my whole IRA to a Roth?
The most important variables are the tax rates Dear Dan, I’m 72 years old and have my IRA in stock. I start required minimum distributions next year so I want…
March 23, 2025
A flood wiped out my employer, can I tap into my Roth or regular IRA without penalty?
There should be some funds available to you on a more tax-friendly basisDear Dan, I lost my job when a flood wiped out the store where I worked. I am…
October 14, 2025
Can I put my RMD into my Roth IRA?
It’s Required Minimum Distribution season. What you can — and can’t do with them.Dear Dan, I am taking my first Required Minimum Distribution next year. After taxes are taken, can…
September 29, 2025
When is the best time to do a Roth IRA conversion?
Pay attention to the tax rate now and the expected tax rate in the futureDear Dan, I found your column “Do Roth IRA conversions still make sense with the passage…
August 11, 2025
Do Roth IRA conversions still make sense with the passage of the GOP tax law?
The new tax law has added some wrinkles to considerDear Dan, If I understand correctly, Roth conversions are good when you expect tax rates to rise. With the new GOP…
July 14, 2025
Opinion: Are ETFs better than mutual funds?
There’s a lot to like about exchange-traded funds, but they aren’t all created equalDear Dan, I see a lot of people that tout ETFs over traditional mutual funds. What makes…
June 13, 2025
I rolled over my 401(k) and was taxed and charged a penalty. What happened?
Watch out for this ‘mandatory’ ruleDear Dan, I rolled over my 401(k) last year and my company automatically withheld $15,000 for taxes. I got the remainder (about $60,000) into my…
May 6, 2025
Can I use investment losses to offset taxes on an IRA withdrawal?
To encourage investment, the tax code provides an incentive to soften the blow of a lossDear Dan, I have had carryover losses for years now, only being able to deduct $3,000 a…
April 22, 2025
Opinion: I have a huge tax bill because of capital gains. Could there be a mistake?
Don’t panic, this may be a common brokerage errorDear Dan, I’m doing my taxes and I have a huge tax bill because of capital gains. Last year, I sold some…