MDT Solutions

5 Things to Remember About the Roth IRA 5-Year Rule: https://ow.ly/6sNB50XNNWU

1. Principal withdrawals are allowed at any age without penalty, because contributions to Roth accounts are already taxed.
2. However, converted principal (converted from a traditional taxable IRA to a Roth IRA) is subject to the 5-year rule.
3. Each Roth conversion starts a new 5-year clock.
4. Earnings also follow the 5-year rule.
5. For withdrawals, IRS ordering rules apply: First principal, then converted principal, then earnings.

Need help navigating Roth rules? Contact us today! 224-639-6559.

The initial New Year’s resolution rush may be fading, but are you still committed to your goals? It may be time to refocus on specific, measurable targets and use all the resources available to you—including us! Contact us to reimagine your retirement plan together. 224-639-6559.

You might be overlooking small areas in your money management that can really add up! From canceling unused subscriptions and reviewing your insurance to tracking variable expenses, these tiny adjustments might save you more than you think.

Let us help you find the hidden opportunities in your finances, contact us today! 224-639-6559.

5 Surprising Ways to Save Personal Money You've Probably Overlooked Most people set up a monthly budget, track spending habits, and even download online budgeting tools. But they still end the month wondering where all the money went. Why? Because they're missing hidden areas where small changes can lead to big savings. The best budgeting tools and personal finance....

As we honor Martin Luther King Jr. today, take steps toward turning your retirement dreams into reality!

The IRS has released the updated income tax brackets for 2026. Knowing where you fall can help guide which accounts to withdraw from first, how RMDs may impact your taxes, whether a Roth conversion could help, and how to avoid moving into a higher bracket.

Everyone’s situation is unique, that’s why we’re here to help you navigate these changes! 224-639-6559.

How 2026 Tax Bracket Changes Will Impact Retirees—What It Means for Your Retirement The IRS has released 2026 tax brackets—here’s how understanding your bracket can help you save with smart retirement and Roth conversion strategies.

Research suggests that sustainable withdrawal strategies can shift over time due to economic conditions and other factors, and the “safe” retirement withdrawal rate is sometimes not safe.

Let's talk about how you can generate retirement income that won't run out someday. Are your retirement assets subject to too much market risk in the first place? Contact us to look at your approach! 224-639-6559.

What’s a Safe Retirement Withdrawal Rate for 2026? Retirees can increase their spending power by taking a more flexible approach.

Are you looking at the big picture? Resolutions don't just have to be about habits; they can include your financial goals too. This year, follow through by checking in on your savings, spending habits, and upcoming expenses. If you’d like help aligning your financial resolutions with your plan, contact us! 224-639-6559.

Tips to make this the year you make a financial resolutions At the end of 2024, 52% of Americans planned to make finance-related New Year’s resolutions, according to a WalletHub survey.

January is officially considered “Get Organized Month.” Whether you’re setting goals, organizing your financial documents, or considering updates to your plan, starting the year with a little organization can set you up for the future, and we’re always here to help! 224-639-6559.

Happy New Year! We look forward to helping you on your financial journey throughout the year ahead. Here’s to progress and making your goals a reality!🎆

Here’s to 2026 and Happy New Year’s Eve, whether you’re watching the ball drop or heading to bed early! We’ll be closed tomorrow to celebrate the beginning of an amazing new year!🎇

Let's finish 2025 strong and start 2026 on the right foot! From using your FSA funds before year-end, planning your charitable giving, contributing to tax-advantaged accounts, and even booking your tax-prep appointment early, taking small steps like these now can make a big difference for the future of your finances. Here is a full list of 16 ways to help: https://ow.ly/XEOI50XxywH

Contact us today at 224-639-6559 to help with financial planning all year long!

Merry Christmas to all who celebrate!🎄 We hope you get to enjoy the holiday time filled with the magic of the season and the joy of your family!