Increased Required Minimum Distribution (RMD) Age The first SECURE Act passed in 2019 increased the RMD age to 72. The SECURE Act 2.0 raises those ages again in 2 stages. Starting January 1st of 2023, the RMD age increases to 73. For those born after 1950 it is increased to 75 beginning in 2033. 529-to-Roth Rollovers One of the questions many diligent savers have regarding 529 plans is what to do with unused funds. After beneficiaries complete their withdrawals, the typical 5

The analysts at GMO (Grantham Mayo Van Otterloo) produced an interesting chart they called "Wounds that never heal". They were trying to measure the time required for equity markets to achieve a long-term average real return of 6% after a bear market (real return means nominal return adjusted for inflation). By adding the bear market losses to bull market returns, you get a sense for how long it takes to get back to long-term average return expectations. This is another way o

We talk to many investors that are confident they can stick with their portfolio as the current bear market evolves. It is great to be optimistic, but investors must understand that waiting for new market highs can take a long time. There are many studies that measure the duration and size of bull and bear markets. However, not many analysts want to measure the distance between market peaks because it can be very discouraging. Let's say you invested at the very peak of an equ