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For context my IRA is with Fidelity and my wife's IRA is with Vanguard. We make typically one (or sometimes two) four figure QCD distributions each year as part of our RMD obligations. Then we also make somewhere around 15 or 20 other donations through the year to mostly local charities. These...

The situation is an IRA where the owner died in May 2022 (before taking her RMD). There were 7 beneficiaries and the account transfers are complete. I don't know why I thought this but I was under the impression that one (or more) of us must make a withdrawal equal to (or greater than) the RMD...

Is there a 'good' identify protection service out there? My SS#/etc is clearly "out there" as deposit accounts have been set up in my name multiple times. From all that I know this is invisible to the various credit services and identity theft protection services. I currently have the basic...

If I own (for example) a Dodge and Cox mutual fund in a Fidelity account, the SIPC insures losses due to fraud at Fidelity - if those shares were to disappear from my account, this would be covered by the SIPC up to SIPC limits. Is there an equivalent protection for a similar fraud within...

As I read H.R. 5376 (Inflation Reduction Act of 2022) there is an annual limit on the tax credit available for new, energy efficient windows of $600 (and no annual carry-over that I can find). Am I interpreting correctly? Thanks. dave

Does anyone worry about the SIPC limit of $500K per account ("separate capacities" as described by the SIPC folks)? I don't recall hearing this discussed but it seems like something to consider. I am retired and have a tax deferred account with Fidelity that exceeds this limit by a fair...

I am considering adding a substantial position in TIPS bonds (not a fund) to my tax deferred portfolio. I think that I understand how these vehicles work. I am NOT SURE that I understand the terminology that is often used. So I am going to pull some data from...

I have read (do not recall where) speculation that RMD requirements could be changed for the year 2022 (as in reduced/eliminated for the year). Is there any reasonable expectation that this could happen? This would be beyond the updated life expectancy tables. Thanks. dave ps. There is a...

How many folks are (or already have) going to over-pay their income taxes this year simply to acquire another $5K in I-Bonds? I believe that I am going to do that. dave

My wife and I are doing some estate planning stuff and as part of this we have to mail in some stock certificates (low 6 figure value - all going to the same place) and some Treasury I-Bonds (also low 6 figure value). I will probably use Fedex and send it in some certified/traceable manner...