IRA / RMD ROLLOVER

Qualified accounts like a 401(k), TSP, or 403(b) are tax-favored by design, and one advantage is the option to roll them into a personal IRA once you turn 59½, if your plan allows it. Once it's your IRA, you decide how it's invested, whether self-managed or guided by an advisor. At 73, qualified accounts trigger Required Minimum Distributions (RMDs). Rollovers and RMDs both come with real tax consequences, so it's worth working with a qualified financial professional to get the timing and calculations right.

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