Tax Planning Archives - Page 2 of 2 - Dolphin Financial Group

Why 2026 Is the Year of the HSA | Triple Tax Benefits Explained for Retirement Planning

Why 2026 Could Be the Biggest Year Yet for Health Savings Accounts Health Savings Accounts (HSAs) have been around for years, but major changes arriving in 2026 could make them more important than ever for retirement planning and long-term tax savings. For many Americans, HSAs have traditionally been viewed as simple accounts used to pay

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The 60-Day IRA Rollover Rule: What You Must Know Before Rolling Over Your 401(k), 403(b), IRA, or Any Retirement Plan

Have you ever needed to move money from your old 401(k) to a new IRA? Or roll over an IRA from one custodian to another? If so, you’ve probably heard about the 60-day rollover rule. Most people think it’s just a simple “rollover” and everything will be fine. But here’s the truth: one small mistake

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2026 401(k) Super Catch-Up: How to Contribute Up to $35,750 If You’re Age 60-63

Retirement planning often comes with the same frustrating refrain: “I need to save more, but I just don’t have enough.” If you’re turning 60, 61, 62, or 63 in 2026, the IRS has given you a powerful opportunity to accelerate your savings. The Super Catch-Up provision allows eligible individuals to contribute up to $35,750 to

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New 2026 Rule Allows Penalty-Free 401(k) Withdrawals for Long-Term Care Insurance Premiums: What You Need to Know

Long-term care is one of the most expensive and often overlooked parts of retirement planning. With costs continuing to climb, many families find themselves asking the same question: How will we pay for it if the time comes? In 2026, a brand-new provision from the SECURE Act 2.0 is giving people a fresh tool to

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Retiring in 2026? Avoid These Top 5 Retirement Mistakes

Retiring in 2026? Avoid These Top 5 Retirement Mistakes – A Reality Check Are you thinking about retiring in 2026? Whether your target date is October 1st or sometime next year, retirement is one of the biggest financial and lifestyle decisions you’ll ever make. Many people assume it’s as simple as handing in a two-week

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Can You Convert an RMD Into a Roth IRA?

Can You Convert an RMD Into a Roth IRA? Do You Have to Wait 5 Years to Withdraw from Your Converted Roth? If you’re 73 or older (or approaching that age), you’ve probably asked yourself these two big questions: Can I take my required minimum distribution (RMD) from my traditional IRA and convert it straight

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