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Articles by Ivy Grace

He Has $400K In Company Stock Inside His 401(k). An IRA Rollover Could Cost Him A Tax Break Worth Tens Of Thousands

He Has $400K In Company Stock Inside His 401(k). An IRA Rollover Could Cost Him A Tax Break Worth Tens Of Thousands

A 64-year-old manufacturing executive is retiring this year with $1.5 million in his 401(k), including $400,000 in his employer’s stock. He acquired most of those shares through the plan years ago, and their cost basis

Retiree, 74, Gives His Church $15,000 A Year. One IRA Rule Could Help Him Keep More Of His Money

Retiree, 74, Gives His Church $15,000 A Year. One IRA Rule Could Help Him Keep More Of His Money

A 74-year-old retired engineer has $1.3 million in his traditional IRA and gives $15,000 a year to his church. For years, he’s taken his required minimum distribution, paid tax on the taxable withdrawal and then written

Prospective Buyer’s Dad Fell Through The Ceiling During A Showing And Left A Huge Hole — Their Broker Says They Have No Obligation To Pay

Prospective Buyer’s Dad Fell Through The Ceiling During A Showing And Left A Huge Hole — Their Broker Says They Have No Obligation To Pay

A home showing can go sideways in plenty of ways, but having a prospective buyer’s dad fall through the ceiling is probably not on the usual list. One Realtor was left dealing with a damaged listing, an awkward

Man Tells Dave Ramsey His In-Laws Want to Leave Them A Timeshare And 2 Rentals, But He Told Them No. Now He Looks Ungrateful — ‘It’s Legalized Fraud’

Man Tells Dave Ramsey His In-Laws Want to Leave Them A Timeshare And 2 Rentals, But He Told Them No. Now He Looks Ungrateful — ‘It’s Legalized Fraud’

Some inheritances come with a house, a portfolio or a little extra cash. This couple is apparently getting the real estate version of a group project they never signed up for. In a recent episode of "The Ramsey

Retired Couple Needs $60K From Their IRA After A 15% Market Drop. Their Advisor's Plan: 'Just Sell Whatever'

Retired Couple Needs $60K From Their IRA After A 15% Market Drop. Their Advisor's Plan: 'Just Sell Whatever'

A retired couple, 74 and 71, has $1.6 million saved, most of it in the husband’s traditional IRA. This year, the market pulled their portfolio down about 15%, and he still has to take a required minimum distribution of

She Lost $80K In Her $700K Portfolio. Her Accountant Says Her Advisor Missed A Valuable Tax Opportunity

She Lost $80K In Her $700K Portfolio. Her Accountant Says Her Advisor Missed A Valuable Tax Opportunity

A 51-year-old marketing executive watched her $700,000 taxable brokerage account drop by $80,000 during this year’s market selloff. Her advisor told her to stay the course, which was sound advice, but he never suggested

They Saved $2.4M In Traditional IRAs To Retire. Now Their Required Withdrawals Could Push Their Taxes Higher

They Saved $2.4M In Traditional IRAs To Retire. Now Their Required Withdrawals Could Push Their Taxes Higher

A retired couple, 71 and 69, spent decades maxing out their 401(k)s and now hold $2.4 million in traditional IRAs. They always assumed their tax bill would shrink in retirement, and for the past few years, living on

Engaged Couple, 38 And 41, Is Combining $1.3M. He Wants 100% Stocks. She Wants Bonds. Who's Right?

Engaged Couple, 38 And 41, Is Combining $1.3M. He Wants 100% Stocks. She Wants Bonds. Who's Right?

An engaged couple, 38 and 41, is planning to merge their finances after the wedding. Together they have $1.3 million: $800,000 in his accounts, invested entirely in stocks, and $500,000 in hers, split evenly between

Man, 41, Has $780K Invested And Has Called Him His 'Financial Advisor' For 10 Years. Then He Looked At The Fine Print

Man, 41, Has $780K Invested And Has Called Him His 'Financial Advisor' For 10 Years. Then He Looked At The Fine Print

A 41-year-old engineer has spent the past decade working with a man he always called his financial advisor. Recently, he pulled up the firm’s disclosure documents and discovered that his account is a brokerage

She Has $900K In A 401(k) And Is Retiring At 59. Her Bank Rep Says Shopping Around Is 'A Waste Of Time'

She Has $900K In A 401(k) And Is Retiring At 59. Her Bank Rep Says Shopping Around Is 'A Waste Of Time'

A 59-year-old hospital administrator is retiring next spring and plans to roll her $900,000 401(k) into an IRA. The representative at her bank has already recommended a lineup of investment products, and when she asked

Retired Couple's Portfolio Grew $400K. Their Advisor's Annual Fee Jumped $4,000 — For The Same Service

Retired Couple's Portfolio Grew $400K. Their Advisor's Annual Fee Jumped $4,000 — For The Same Service

A retired couple, both former public school teachers, has worked with the same advisor since they left the classroom. When they started, their portfolio was worth $1.3 million, and their 1% fee came to $13,000 a year.

Man, 34, Put His $250K House Fund On Margin To 'Buy The Dip.' Then Stocks Fell Another 30%

Man, 34, Put His $250K House Fund On Margin To 'Buy The Dip.' Then Stocks Fell Another 30%

A 34-year-old sales manager had built a $250,000 brokerage account over nine years, money he and his girlfriend planned to use for a down payment. When stocks dropped sharply this spring, he borrowed the maximum on

Nurse, 58, Has Saved $650,000 For Retirement. Her Coworkers Say She Doesn't Need An Adviser — She's Starting To Wonder

Nurse, 58, Has Saved $650,000 For Retirement. Her Coworkers Say She Doesn't Need An Adviser — She's Starting To Wonder

A 58-year-old nurse has built $650,000 in savings over three decades, including $560,000 in her hospital 401(k) and $90,000 in a high-yield savings account. She’s never worked with a financial advisor because her

Man, 73, Still Works Full Time And Thought He Could Delay All His RMDs. Then His Accountant Found $400K In Old IRAs

Man, 73, Still Works Full Time And Thought He Could Delay All His RMDs. Then His Accountant Found $400K In Old IRAs

A 73-year-old engineer still works full time for a large company and has no plans to retire. He has $1.3 million in his current employer’s 401(k) and another $400,000 spread across two traditional rollover IRAs from

Woman, 55, Walked Away From Her Divorce With $1.1M After Her Ex Handled Every Dollar For 26 Years. Now His Financial Advisor Keeps Calling

Woman, 55, Walked Away From Her Divorce With $1.1M After Her Ex Handled Every Dollar For 26 Years. Now His Financial Advisor Keeps Calling

A 55-year-old woman recently finalized her divorce after 26 years of marriage, walking away with $1.1 million in assets: $650,000 from her ex-husband’s 401(k), a $300,000 brokerage account and $150,000 in cash. Her

Couple With $2.5M Got Quotes From Two Financial Advisors: One Charges $25,000 A Year, The Other A Flat $6,000. Their Friends Warn 'You Get What You Pay For'

Couple With $2.5M Got Quotes From Two Financial Advisors: One Charges $25,000 A Year, The Other A Flat $6,000. Their Friends Warn 'You Get What You Pay For'

A married couple, 61 and 60, is interviewing financial advisors ahead of retirement with $2.5 million saved. One advisor quoted a standard 1% annual fee, which would initially cost the couple $25,000 a year. The

His 27-Year-Old Son Says He's 'Scared Of Making Money.' Dad, 65, Doesn't Want To Bet $300,000 Of His Retirement On TikTok Tips

His 27-Year-Old Son Says He's 'Scared Of Making Money.' Dad, 65, Doesn't Want To Bet $300,000 Of His Retirement On TikTok Tips

A 65-year-old retiree has $1.2 million saved and plans to start withdrawals next year. His 27-year-old son has been following a group of social media accounts touting AI stocks, and he’s urging his dad to move $300,000,

This Couple Pulled $600,000 From The Stock Market When Things Got Scary. Now They're Fighting Over Who Made Them Miss The Rebound

This Couple Pulled $600,000 From The Stock Market When Things Got Scary. Now They're Fighting Over Who Made Them Miss The Rebound

A married couple, ages 45 and 43, got spooked during a steep market selloff and sold their entire $600,000 brokerage portfolio. Eight months later, stocks have climbed back, their money is still sitting in a savings

Husband, 47, Wants To Fire Their $9,000-A-Year Financial Advisor. His Wife Isn't Ready To Take The Risk

Husband, 47, Wants To Fire Their $9,000-A-Year Financial Advisor. His Wife Isn't Ready To Take The Risk

A 47-year-old husband recently told his wife he wants to fire their financial advisor and manage their $900,000 portfolio himself. His reasoning is simple: They pay a 1% annual fee, or $9,000 a year, and he’s convinced

A 13% Drop Just Cost This 62-Year-Old $180,000. Now He Wants To Move His Entire $1.4 Million Nest Egg To Cash

A 13% Drop Just Cost This 62-Year-Old $180,000. Now He Wants To Move His Entire $1.4 Million Nest Egg To Cash

A 62-year-old operations manager planned to retire at 65 with $1.4 million. Then a sharp market selloff knocked $180,000 off his balance in about a month, a drop of nearly 13%, and he told his wife he wants to move

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