“Third-Party Posts”
The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Foundations Investment Advisors, LLC (“Foundations”), deems reliable but in no way does Foundations guarantee its accuracy or completeness. Foundations had no involvement in the creation of the content and did not make any revisions to such content. All such third-party information and statistical data contained herein is subject to change without notice and may not reflect the view or opinions of Foundations. Nothing herein constitutes investment, legal or tax advice or any recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Foundations, execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
Important Tasks & Decisions for Each Phase of Retirement Planning
Important Tasks & Decisions for Each Phase of Retirement Planning Retirement. It tends to be a catch-all word that generally refers to the light at the end of the tunnel after years of hard work. It’s a time to enjoy the things in life that matter the most, like...
Retirement Challenges in 2025: Market Volatility, Inflation and Social Security
Inflation, uncertain markets and a limited Social Security COLA are among the financial hurdles for retirees in 2025. Key Takeaways High interest rates may complicate investment decisions for retirees. Social Security recipients are getting a 2.5% raise, which may lag...
3 Social Security Changes Retirees Need to Know About in 2025
Key Points A modest cost-of-living adjustment (COLA) will make benefit checks bigger. Note that higher earners will pay a bit more in Social Security taxes. Retirees still earning income may have some of their benefits temporarily withheld. The $22,924 Social Security...
If you’re nearing retirement, these 2025 changes could affect your finances. Here’s what to know
Key Points If you’re nearing retirement, key changes for 2025 could affect your finances, according to advisors. Starting in 2025, there’s a higher 401(k) plan catch-up contribution for workers ages 60 to 63. Plus, there are new rules for inherited individual...
A Checklist for Retiring in 2025
Our checklist for retiring next year includes everything you need to do before the retirement party. Only you can know if you're ready for a checklist for retiring in 2025. If you’re 60 or getting there, retirement is no longer a hazy concept in the distance. It’s a...
Social Security’s full retirement age is increasing in 2025. Here’s what to know.
Most Americans may consider the standard retirement age to be 65, but the so-called "full retirement age" for Social Security is already older than that — and it's about to hit an even higher age in 2025. Social Security's full retirement age (FRA) refers to when...
5 Key Changes to 401(k)s in 2025 and What They Mean for You
These new rules could make it easier for you to save more money for retirement Participating in a 401(k) plan where you work is a smart way to invest for retirement. Plus, your employer may match some or all of the money you contribute. In 2025 the rules for 401(k)s...
What’s Changing for Retirement in 2025?
How Secure 2.0 and inflation adjustments will affect retirement savers and spenders. For retirement savers, the ringing in of the new year will bring more than the usual inflation adjustments to retirement contributions. The retirement legislation known as Secure 2.0...
Most Americans Feel They’re Worse Off Now Than In 2020—Here’s What The Data Says
Key Takeaways A recent Gallup poll showed most Americans feel they are worse off today than four years ago. Data on household finances show that things have changed dramatically since September 2020, when the COVID-19 pandemic was affecting the economy. Americans have...
Weekly Market Commentary
-Darren Leavitt, CFA Financial markets advanced this week as a solid start to the fourth-quarter earnings season, and some better-than-feared inflation data gave investors a reason to buy the most recent dip. The financial sector gained 6.1% on the week as bank...
Weekly Market Commentary
-Darren Leavitt, CFA US equity markets fell in the first full week of 2025 as investors recalibrated their Federal Reserve monetary policy expectations. Stronger labor data, a robust ISM Services print, and a weaker Consumer Sentiment report showing increased...
Weekly Market Commentary
-Darren Leavitt, CFA The final trading sessions for 2024 extended losses from the prior week, but the S&P 500 and NASDAQ still posted impressive gains for the year, 23.3% and 28.6%, respectively. The so-called Santa Clause Rally did not appear for the second...
Weekly Market Commentary
-Darren Leavitt, CFA Market action was mixed in a holiday-shortened week of trade. The Santa Clause rally, which runs for the last five trading sessions of the year through the first two trading sessions of the New Year, kicked off with gains from mega-cap...
Weekly Market Commentary
-Darren Leavitt, CFA Equity and fixed-income markets sold off for the second consecutive week as the Federal Reserve delivered an expected twenty-five basis-point rate cut but pivoted to a much more hawkish stance for 2025, where the committee now expects only two...
Weekly Market Commentary
-Darren Leavitt, CFA The Nasdaq eclipsed the 20,000 level for the first time this week as investors reengaged in buying the mega-cap technology names. Amazon, Google, Tesla, and Meta hit new highs for the year as investors heard about more advances in AI and quantum...
Weekly Market Commentary
The S&P 500 forged another set of all-time highs as investors embraced the idea of an economy running at a pace appropriate for the Fed to consider further rate cuts. Leadership in the market toggled back to the mega-cap technology issues, with the communication...
Weekly Market Commentary
The S&P 500 forged another set of all-time highs as investors embraced the idea of an economy running at a pace appropriate for the Fed to consider further rate cuts. Leadership in the market toggled back to the mega-cap technology issues, with the communication...
Weekly Market Commentary
-Darren Leavitt, CFA The holiday-shortened week saw the S&P 500 and Dow rise to new all-time highs. Investors cheered the nomination of Scott Bessent as Treasury Secretary, who is seen as a fiscal hawk and someone who will support Trump’s trade policies. US...
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A Different Fix: Excess IRA vs. 401(k) Plan Contributions
By Andy Ives, CFP®, AIF® IRA Analyst Excess IRA contributions occur for many reasons, like making a contribution without eligible compensation, accidentally exceeding the Roth IRA phase-out limits, rolling over a required minimum distribution (RMD), etc. Excess...
How the Vesting Rules Work for Company Retirement Plans
By Ian Berger, JD IRA Analyst Thinking about leaving your job? Make sure you understand the vesting schedule that applies to your retirement plan. It may pay to stick it out a little longer to become more “vested” in your plan. Otherwise, you may lose out on...
Eligible Designated Beneficiaries and Roth IRA Contributions: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Hello! I have been a big fan for a long time. I have a question regarding a Roth IRA I inherited from my younger brother last year. I have heard that I must empty this account by the end of 2035. I...
Spousal IRA Contributions
By Sarah Brenner, JD Director of Retirement Education IRA and Roth IRA contributions are only permitted when you have taxable “compensation” or earned income. Typically, whether or not a person has compensation is a relatively straightforward determination. For...
Inherited Roth IRAs and Successor Beneficiaries
By Andy Ives, CFP®, AIF® IRA Analyst In our December 8, 2025 Slott Report entry (“Yes, RMDs Apply to Inherited Roth IRAs, But…”), we wrote about the application of required minimum distributions (RMDs) to inherited Roth IRAs. As expected, that article received...
SIMPLE Plan Contributions and Qualified Charitable Distributions: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: Hello, I am searching for confirmation that Roth SIMPLE IRA contributions are not limited by modified adjusted gross income (MAGI) in the same way that Roth IRA contributions are. This is not addressed in any of the...
Making Sense of the Roth 401(k)-to-Roth IRA Rollover Rules
By Ian Berger, JD IRA Analyst One of the most common retirement account transactions – rolling over Roth 401(k) funds to Roth IRAs – is also one of the most complicated tax-wise. That’s because the rollover involves two five-year holding periods, one for...
How Your RMD Statement Can Help You
Sarah Brenner, JD Director of Retirement Education The rules for required minimum distributions (RMDs) can be complicated and, under the law, the responsibility to get it right rests with the IRA owner. If you are required to take an RMD from your IRA for 2026,...
Taxes on Required Minimum Distributions and Qualified Charitable Distributions from Trusts: Today’s Slott Report Mailbag
Ian Berger, JD IRA Analyst Question: Does a non-spouse eligible designated beneficiary (EDB) have to pay taxes on required minimum distributions (RMDs) either at the end of ten years or with annual RMDs? Answer: Any EDB (other than a minor child) can stretch...
The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Foundations Investment Advisors, LLC (“Foundations”), deems reliable but in no way does Foundations guarantee its accuracy or completeness. Foundations had no involvement in the creation of the content and did not make any revisions to such content. All such third-party information and statistical data contained herein is subject to change without notice and may not reflect the view or opinions of Foundations. Nothing herein constitutes investment, legal or tax advice or any recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Foundations, execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
The Medicare Part D Donut Hole Disappears in 2025
Key takeaways: The Medicare Part D coverage gap known as the “donut hole” will end in 2024. As of January 1, 2025, Medicare Part D plans will have a $2,000 out-of-pocket limit. If you reach that threshold, your plan will pay for all of your covered medications in full...
read more
What You Need to Know About Changes to Medicare Part D in 2025
Two important changes are coming for Medicare Part D beneficiaries in 2025 as a result of the Inflation Reduction Act: Annual out-of-pocket (OOP) cap of $2,000 for prescription drugs. Medicare Prescription Payment Plan (MPPP), which will allow beneficiaries who opt in...
read more
Medicare benefits in 2025: 4 big changes every enrollee should know
Big changes are coming to Medicare in 2025, and they could make a major difference in your prescription drug costs. Thanks to the Inflation Reduction Act, Medicare beneficiaries will see the most significant updates to the program’s drug coverage since it was first...
read more
CMS Announces 2025 Premiums and Deductibles for Medicare Parts A and B
Last week, the Centers for Medicare & Medicaid Services (CMS) released information about Medicare costs in 2025, including the 2025 premium, deductible and coinsurance amounts for Medicare Part A and Part B. The agency also announced the income-related monthly...
read more
Comparing Plans is Especially Important This Open Enrollment Season Due to Changes in Part D Protections and New Options
Key components of the Inflation Reduction Act’s Part D reforms will be fully implemented for plans offered in 2025. These changes, including the total elimination of the “coverage gap” coverage period, the establishment of a $2,000 cap on beneficiary out-of-pocket...
read more
CMS Finalizes Payment Rule, Including Update to the Custody Definition
Medicare payment rules prohibit coverage for a service if a beneficiary is not financially responsible for the care or if another government entity is obligated to provide or pay for the item or service. For years, the Medicare rules interpreting and implementing this...
read more
Health Care Access Improving in Rural Areas, Challenges Persist
A new report from the U.S. Department of Health and Human Services’ (HHS) Office of the Assistant Secretary for Planning and Evaluation (ASPE) examines trends in health care access and outcomes in rural America. While insurance rates in these areas are improving,...
read more
Millions See Cost Savings Under the Inflation Reduction Act
The Inflation Reduction Act (IRA) made significant improvements to Medicare prescription drug access and affordability, including by restructuring the Part D benefit to limit enrollee expenses. Those changes began in January 2024, when the IRA eliminated cost sharing...
read more
Healthcare.gov Now Open for 2025 ACA Plan Shopping
Now is the time for people who need health insurance in 2025 to shop for coverage. For those without employer, Medicare, or Medicaid coverage, Healthcare.gov or their state exchange is the place to shop for Affordable Care Act (ACA) plans. Most shoppers will be able...
read more
The Medicare Part D Donut Hole Disappears in 2025
Key takeaways: The Medicare Part D coverage gap known as the “donut hole” will end in 2024. As of January 1, 2025, Medicare Part D plans will have a $2,000 out-of-pocket limit. If you reach that threshold, your plan will pay for all of your covered medications in full...
What You Need to Know About Changes to Medicare Part D in 2025
Two important changes are coming for Medicare Part D beneficiaries in 2025 as a result of the Inflation Reduction Act: Annual out-of-pocket (OOP) cap of $2,000 for prescription drugs. Medicare Prescription Payment Plan (MPPP), which will allow beneficiaries who opt in...
Medicare benefits in 2025: 4 big changes every enrollee should know
Big changes are coming to Medicare in 2025, and they could make a major difference in your prescription drug costs. Thanks to the Inflation Reduction Act, Medicare beneficiaries will see the most significant updates to the program’s drug coverage since it was first...
CMS Announces 2025 Premiums and Deductibles for Medicare Parts A and B
Last week, the Centers for Medicare & Medicaid Services (CMS) released information about Medicare costs in 2025, including the 2025 premium, deductible and coinsurance amounts for Medicare Part A and Part B. The agency also announced the income-related monthly...
Comparing Plans is Especially Important This Open Enrollment Season Due to Changes in Part D Protections and New Options
Key components of the Inflation Reduction Act’s Part D reforms will be fully implemented for plans offered in 2025. These changes, including the total elimination of the “coverage gap” coverage period, the establishment of a $2,000 cap on beneficiary out-of-pocket...
CMS Finalizes Payment Rule, Including Update to the Custody Definition
Medicare payment rules prohibit coverage for a service if a beneficiary is not financially responsible for the care or if another government entity is obligated to provide or pay for the item or service. For years, the Medicare rules interpreting and implementing this...
Health Care Access Improving in Rural Areas, Challenges Persist
A new report from the U.S. Department of Health and Human Services’ (HHS) Office of the Assistant Secretary for Planning and Evaluation (ASPE) examines trends in health care access and outcomes in rural America. While insurance rates in these areas are improving,...
Millions See Cost Savings Under the Inflation Reduction Act
The Inflation Reduction Act (IRA) made significant improvements to Medicare prescription drug access and affordability, including by restructuring the Part D benefit to limit enrollee expenses. Those changes began in January 2024, when the IRA eliminated cost sharing...
Healthcare.gov Now Open for 2025 ACA Plan Shopping
Now is the time for people who need health insurance in 2025 to shop for coverage. For those without employer, Medicare, or Medicaid coverage, Healthcare.gov or their state exchange is the place to shop for Affordable Care Act (ACA) plans. Most shoppers will be able...
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