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This may be a bone head question.. But... Why not just do Roth conversions every year, rather than taking IRA distributions' into a taxable account? Seems it would be the same hit Tax wise? If I needed it during the year, taking from a Roth account or taxable account would be the same...

So my wife and I both put in for SS to begin in March. After that, the estimate on the website disappeared as the application*is in step 2 of 3 of the review process. The day I submitted mine showed $2511, the bride at $831 / using the correct 33.13% of my SS based on her actual birth date...

Anyone here ever have a "Callable CD"? Just curious how often they actually end early? No idea if its common for them to end early? very uncommon? etc. They mention risk, but it seems like the only risk is not being able to re-invest at the same rate at the time of the call. Thanks in advance!

The Ch Sch funds I used yrs ago to park cash are gone? Where is a good place to park cash these days? Looking for a safe short term spot, that pays something. .5% or so would be fine. :)

defined benefit pension defined benefit pension cola No pension (Not counting SS)

Its been a goal the past 9 years of retirement to stay in the 12% bracket. (Unlike when working, got killed the entire time) And have tried to configure things to be able to stay there going forward. Not 100% sure I can pull it off. But its a goal. Roth conversions. Draw down the IRA in small...

Any reason to go with one over the other? Setting up a new 5 yr CD ladder. So, I need to choose one. Note both are located in the same business park. 100 feet apart...lol lol Thanks!

I plan to start taking IRA distributions mid 2023. (finally) Am going to keep it simple. After years or Roth conversions , will have $530k in my IRA. Plan to have a 5 CD ladder and will pull about $2600 a month for about 25 years. To stay in my desired tax bracket. Have had both credit union...

Have been using "Personal Capital" to track basically everything for the past 7 or 8 years. Due to unknown issues to me it has been spotty at best the past few years. Current example, trouble getting Charles Schwab to link since Jan. Removed it last month, now cant add it back? These issues have...

A buddy asked if it would be profitable getting divorced prior to taking SS. And have both parties claim their own full amount? I would think filing as single would cancel out the $$$? (would pay more in taxes) Other than that, I did not really have an answer. So I will throw the question out...

See you in 2024.

Let the games begin!

Is there a site that allows input of personal CD's to be listed/tracked? Dates, Rates, Account numbers etc? Have been using "Personal Capital" for a few years now and its been great. Have read "Quicken" has a CD tracking area, just not sure its worth the annual membership for just that feature...

Joining the Navy Federal Credit union..... 40 month cd 3.75% $150k max. In other news...https://www.doctorofcredit.com/high-interest-savings-to-get/

So, I am at the point where I would like some fee based help setting up the next leg of my retirement. (Or free help here if its solid):coolsmiley: But do not want to use my tax people or a generic FA. Looking for the best advice out there. A specialist if they are out there. Just not sure what...

Anyone doing a CD ladder at Schwab? Am considering it and am curious as to the pros and cons there.... Ally just isn't competitive these days....... Thanks!

Market linked CD's......... Doing some research now. Anyone here have an opinion?

Have a Trad IRA with a little over $500k in it. Retired 4 years ago this month. Do not plan on needing this money for a very long time. If at all. But, would like to stay in the 15%-married tax bracket for the next 30-40 years. I know Roth conversions are what most folks gravitate towards...

Am new to CS, and wanted to move some money from the default cash account into a money market account with some type of return. Ended up selecting SWVXX "Schwab Value Advantage Money Fund Investor Shares." Just new to CS and was curious what others are doing. Am not used to having so many...

Just curious what other folks are doing. Have 4 years to come up with a plan. :laugh:

Completed a DocuSign to transfer funds from VG to another institution. Money market to Money market fund. DocuSign complete on 3/9/17. VG mailed the funds on 3/14/17. Is there a reason these transfers take so long? 7 days in the mail seems really long for a 2000 mile trip. But am told its...

Have had account's with Vanguard for about 20 years now. (Roth IRA's) Rolled the 401K into an IRA about 4 yrs ago using Vanguard. Closed my trading accounts with other Co's over the years Now that I am retired, I am noticing how antiquated their web site is. Non intuitive & everything just...

Ok to delete Ok to delete.

Retired 8/2013, and am now 55. Have 500k in an IRA and 125k in a Roth IRA's. I wont be needing the money anytime soon. Might not ever actually need it to survive. I have a pretty low tax base now, as I am able to live on much less than when I was working. (Just a little background info...

Randomly discovered this morning the projected monthly benefit on my cash balance pension drops $118.00 per month from $1518 to $1400 Dec 1st. Due to the 2017 int. rate change. Seems like a no brainer taking it now, by Nov. 1st. Was just surprised / shocked & wasn't planning on taking it for a...