Ed Slott’s IRA Corner

What is an Ed Slott Elite Advisor?

Ed Slott and Company is the nation’s leading source of accurate, timely IRA expertise and analysis to financial advisors, institutions, consumers and media across the country.

Members of Ed Slott’s Elite IRA Advisor GroupSM train with Ed Slott and his team of IRA Experts on a continuous basis.

Chris Robinson, Lead Advisor for RFG Wealth Advisory, is a member of the Ed Slott Elite Advisor Group and trains monthly with this organization.

View Latest Reports

Latest Slott Reports

Choose the Best Tools for Your Legacy: Roth IRAs and Life Insurance

When it comes to crafting a meaningful and tax-efficient legacy for your loved ones, Roth IRAs and life insurance policies are two powerful tools that share a similar goal: transferring wealth across generations. However, they operate under fundamentally different rules—and understanding how those differences affect your estate plan can make a significant impact. Drawing on […]

The Hidden IRA Trap that Could Wipe Out Your Retirement Overnight

Here’s something many seasoned investors don’t realize: even well-intentioned moves within an IRA can trigger devastating consequences—without warning. If an IRA owner, their family member, or any “disqualified person” benefits improperly from retirement account activity, that’s a prohibited transaction—and the repercussions are severe. The IRS views such actions as a violation of the IRA’s intended […]

Should You Convert to a Roth IRA Before Turning 73?

As you approach age 73, it’s normal to feel the weight of financial decisions swirling around Required Minimum Distributions (RMDs). With the new RMD age now starting at 73 thanks to the SECURE 2.0 Act, this is a timely moment to reconsider whether a Roth IRA conversion could give you more control and tax flexibility […]

Protect Your Financial Future During Divorce

Divorce is an emotionally charged and complex process. While emotions often take center stage, the financial consequences of a divorce—particularly regarding retirement accounts—can have a long-lasting impact on your financial well-being. Make sure you avoid taxes & penalties in a divorce. At RFG Wealth Advisory, we understand how easy it is to make costly mistakes […]

Maximize Your Retirement Savings in 2025

As we enter 2025, now is the perfect time to revisit your retirement savings strategy. 2025 Retirement Plan Contribution Limits have been updated. With updated contribution limits and new opportunities introduced by recent inflation adjustments, this year offers several ways to optimize your savings and secure a more comfortable retirement. Whether your goal is to […]

Roth IRA vs. 529 Plan: A Smart Savings Strategy for High Income Families

If you’re helping your family plan for college this fall, you may already know that 529 plans provide great tax-free savings for education. But thanks to updates from the SECURE 2.0 Act, they now offer added flexibility. This is especially true when your loved one doesn’t use all the funds. Let’s explore how Roth IRAs and […]

Why the “Opportunity Cost” Argument About Roth Conversions Doesn’t Hold Up

If you’re evaluating whether a Roth IRA conversion makes sense, you’ve likely heard one of the most persistent myths: paying the tax up front on a conversion means losing out on investment gains that could have compounded in a retirement account. But as retirement tax expert Ed Slott and top financial planners emphasize, this notion […]

Why Declining an Inheritance May Make Sense — and How Texas Laws Apply

It may seem counterintuitive, but there are situations where choosing not to accept an inheritance can be the smartest move. Tax reasons, impacts on your own estate planning, or unintended effects on federal benefits can make declining an inheritance beneficial. Texas law, in harmony with federal rules, provides a clear pathway when disclaimers are properly […]

Savvy Investors Use IRAs for Charitable Contributions

If you’re passionate about making a lasting difference—both for your loved ones and the causes you care about—then using your IRA to benefit a charity may be a smart and impactful option. IRAs can be a powerful vehicle for charitable giving. Still, they come with a few traps that, if not handled correctly, could reduce […]

Early IRA Withdrawal Penalty Exceptions

Accessing your retirement funds before age 59½ might seem like a last resort. Still, sometimes life throws unexpected challenges our way—medical bills, education costs, a job loss, or even helping a loved one through a difficult time. If you need to tap into your IRA or workplace plan early, it’s important to know that you […]

Rolling Over Your 401(k)? Here’s What You Need to Know

If you’re like many professionals in their 40s, 50s, or early 60s, chances are you’ve built a solid foundation for retirement through your company’s sponsored retirement plan—often automatically through regular paycheck contributions. It’s an efficient way to grow your savings over time with little daily effort. But once you reach the point of needing to […]

Are Your IRA Beneficiaries Set Up Correctly?

Don’t Let a Simple Mistake Derail Your Legacy When you’re in your 50s to 60s, your financial life often becomes more complex, juggling retirement planning, helping aging parents, supporting adult children, or managing your own investments. Planning for multiple beneficiaries may not make it to the top of your financial planning list. One area that’s […]

60-Day IRA Rollover Deadline Missed- Here’s What You Can Do

Life Happens — But That Missed Rollover Doesn’t Have to Cost You If you’ve recently withdrawn funds from your retirement account intending to complete a 60-day rollover but missed the deadline, you’re not alone. Mistakes, delays, and life events happen. Unfortunately, missing the window could mean your rollover is treated as a taxable distribution and […]

Secure 2.0 New Spouse Inheritance Rules Could Affect Your Retirement Plan

If you’re inheriting an IRA—or planning for your spouse to inherit yours—it’s critical to understand how recent changes under SECURE Act 2.0 could impact your financial future. When a spouse inherits an IRA, it might seem like a straightforward process. But with the introduction of new rules, your decisions now carry more weight than ever—especially […]

“These materials have been independently produced by RFG Wealth Advisory. RFG Wealth Advisory is independent of, and has no affiliation with, Charles Schwab & Co., Inc. or any of its affiliates (“Schwab”). Schwab is a registered broker-dealer and member SIPC. Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Schwab independently verified any of the information in them. RFG Wealth Advisory provides you with investment advice, while Schwab maintains custody of your assets in a brokerage account and will effect transactions for your account on our instruction.”

RFG Wealth Advisory is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training, nor is it an endorsement by the SEC or other regulators. RFG Wealth Advisory only provides investment advisory services in jurisdictions where it is registered or qualifies for an exemption. This website is for informational purposes only and does not constitute legal, tax, or accounting advice. For more information, see our Form ADV and Form CRS, available at the bottom of this page.

Investment advice offered through RFG Wealth Advisory, a registered Investment advisor. FINRA/SIPC.

Back to Top

Copyright © 2025 RFG Wealth Advisory. All Rights Reserved.