Building a Roth Conversion Ladder When You Alre...

If you already have a Roth IRA with years of contributions and growth in it, the natural worry about starting a conversion ladder is that you’ll somehow contaminate the account...

Can You Reverse a Roth Conversion? How to Fix a...

A client emailed our office last week in a panic after executing a Backdoor Roth IRA on their own. They had contributed $6,500 to a non-deductible IRA and immediately converted...

Roth Conversion Before Moving States: Why the "...

Every tax season, I review the returns of high-earning professionals who are fiercely dedicated to optimizing every dollar, and the ones moving states almost always get the timing of a...

Why Your SEP IRA is Ruining Your Backdoor Roth ...

You are an established solo business, and for years you've done exactly what you were supposed to do. You set up a SEP IRA because it was easy, and you...

HSA Forms Explained: How to Read IRS Forms 1099...

Form 1099-SA and Form 5498-SA are the two informational statements that track money moving through your Health Savings Account: Form 5498-SA reports what went in (contributions), and Form 1099-SA reports...

IRS Form 8889 Explained: How to Report HSA Cont...

IRS Form 8889 is the form you attach to your Form 1040 to report Health Savings Account (HSA) contributions and distributions. It does two jobs: it claims your above-the-line tax...