No Non-Cents Blog

Inheriting an IRA can feel like discovering a treasure chest… that comes with a 10-year timer and a stack of IRS instructions. With the SECURE Act (2019) and SECURE Act 2.0 (2022–2023 updates), the rules for inherited retirement accounts have changed. Knowing the rules can save you from unnecessary taxes, penalties, or the stress of mismanaging the account. The Basics: What Changed with SECURE and SECURE 2.0 Before 2020, beneficiaries could “stretch” an inherited IRA over the

Money is one of the last real taboos in our culture. We talk about politics, relationships, and health far more openly than we do about...

When it comes to retirement accounts—especially Individual Retirement Accounts (IRAs)—few decisions are more important yet more...

Would you like to fund a 529 plan for your child or grandchild and don't want them to incur penalties when withdrawing the unused funds?...

Now that we are into a brand new year, it’s a good time to revisit your retirement accounts. Saving for the future doesn’t have to be...

Setting a budget is putting together a spending plan for expenses that week, month, and year. And yes, you have permission to spend!...