Start your Roth Clock: The Roth Five Year Rule Has Two Tests, Not One
September 17, 2026
Let me start with the mistake I see most often. It does not catch careless people. It catches people who
Randy walks you through what a first conversation with Clear Direction looks like - fifteen to twenty minutes, no agenda, no pitch. Just a conversation to see if it's a fit.
Clear, practical insights on retirement planning, taxes, investments and real estate. Our articles break down important financial topics in plain English, so you can make more informed decisions about your money.
Let me start with the mistake I see most often. It does not catch careless people. It catches people who
There is a line I use across the table that usually stops the conversation for a second. I did not
There is a number most people know by heart. It is the balance on the retirement account statement, the one
The question most pre-retirees ask about Roth conversions is whether they will come out ahead. It is a fair question
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The book is out and the first section is free. The reasons to put this off just ran out.
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The introduction, preface, and first two chapters. How the IRS treats your retirement accounts - and why the math on your statement never tells the whole story.
Selling a property without the tax sting - and without becoming a landlord again. What a DST is, how it works, and who it's for. By Randy Stoltz, President.
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