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The following link/content may include information and statistical data obtained from and/or prepared by third party sources that Denielle Cerny & Associates, deems reliable but in no way does Denielle Cerny & Associates guarantee its accuracy or completeness. Denielle Cerny & Associates had no involvement in the creation of the content and did not make any revisions to such content. All such third-party information and statistical data contained herein is subject to change without notice and may not reflect the view or opinions of Denielle Cerny & Associates. Nothing herein constitutes investment, legal or tax advice or any recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Denielle Cerny & Associates, execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
Your Retirement Plan May Look Complete—But Is It Truly Connected?
Most people do not build their retirement strategy all at once. They accumulate different financial products and accounts throughout their lives. A 401(k) may come from...
The Human Advantage: Why Financial Advice Matters More in the Age of AI
Artificial intelligence is changing nearly every industry, and financial services are no exception. Today, consumers have access to sophisticated calculators,...
Fixed Indexed Annuities: A Retirement Strategy Designed for Growth Potential Without Direct Market Risk
As retirement approaches, one question becomes increasingly important: How do you continue growing your retirement savings while protecting what you've worked so hard...
Life Insurance in 2026: It’s More Than a Death Benefit
When many people hear the words "life insurance," they immediately think about protecting loved ones after they're gone. While that remains one of its most important...
How a Fixed Indexed Annuity Can Work for You in 2026
As Americans continue preparing for retirement in an uncertain economic environment, many are looking for ways to protect their savings while still having the...
The Biggest Retirement Risk Isn’t the Market—It’s Having No Plan
When people think about retirement, they often focus on one thing: the stock market. They worry about the next downturn, the next recession, or the next headline...
Why Financial Confidence Starts With a Plan, Not a Product
Retirement isn't built on luck—it’s built on preparation. While investment performance, insurance coverage, and market conditions all play important roles, one factor...
Why a Retirement Income Plan Matters More Than Your Investment Returns
Many people spend decades focused on growing their retirement savings. They watch the markets, contribute to retirement accounts, and celebrate when their balances...
The Retirement Tax Trap: Why Keeping More of Your Money Matters More Than Chasing Higher Returns
When people think about retirement, they often focus on growing their investments. They search for higher returns, the next great investment opportunity, or ways to...

Weekly Market Commentary
US equity markets took a step back last week in what turned out to be a very busy week. Increased yields on the long end of the curve prompted Treasury Secretary Scott...
Weekly Market Commentary
The S&P 500 forged a new all-time high as investors recalibrated interest-rate-hike expectations after an in-line print of the Consumer Price Index and a...
Weekly Market Commentary
Giddy up! US equity markets ripped higher in the first week of August as 2nd quarter earnings continued to impress. According to FactSet, 88% of the S&P 500 have...
Weekly Market Commentary
It was an extremely busy week on Wall Street, with investors having to assess increased geopolitical tensions in the Middle East alongside a deluge of corporate...
Weekly Market Commentary
US equity indices declined for a second consecutive week despite a strong start to second-quarter earnings. With just over 25% of the S&P 500 reporting, top- and...
Weekly Market Commentary
Markets took a step back last week despite a better-than-expected start to second-quarter earnings and benign inflation data. Semiconductor names continued to come...
Weekly Market Commentary
US markets finished the week mixed in volatile trade. The rotation from technology into other parts of the market reversed this week, as leadership from mega-cap tech...
Weekly Market Commentary
The holiday-shortened week saw the end to the best 2nd quarter in six years as the S&P 500 added over $8 trillion in market value. The Semiconductor sector...
Weekly Market Commentary
Markets finished the week mixed, with a noticeable rotation out of mega-cap technology issues to healthcare, real estate, and consumer staples. Concerns about the...
Ed Slott’s Elite IRA Advisor Group (Ed Slott Group) is a membership organization owned by Ed Slott and Company, LLC. Logos and/or trademarks are property of their respective owners and no endorsement of (Denielle Cerny) or (Denielle Cerny & Associates) is stated or implied. Ed Slott Group and Ed Slott and Company, LLC are not affiliated with Denielle Cerny & Associates.
For the detailed requirements of Ed Slott’s Elite IRA Advisor Group, please visit: https://www.irahelp.com/
How the Once-Per-Year Rollover Rule Works and How to Avoid It
By Ian Berger, JD IRA Analyst One of the mantras we have here at Ed Slott & Company is: “Don’t do 60-day rollovers. Do direct transfers instead.” The reason? 60-day...
Three IRA Transactions You Must Do by October 15
By Sarah Brenner, JD Director of Retirement Education Fall is in full swing and October is almost upon us. That means that an important IRA deadline looms just ahead....
Do Inherited Roth IRA Beneficiaries Have RMDs?: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst QUESTION: I really enjoy reading the Slott Report articles, but I’m confused about the inherited Roth IRA required minimum distributions...
NUA: Average Cost Basis vs. Specific Identification
By Andy Ives, CFP®, AIF® IRA Analyst For those workplace retirement plan participants fortunate enough to own highly appreciated company stock in their plan – like a...
Do We Use the Life Expectancy of the IRA Owner, or the Beneficiary to Calculate RMDs?: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education QUESTION: I understand that the SECURE Act 10-year payout rule applies to certain beneficiaries. I also understand...
Time is Running Out for Penalty-Free Correction of 2025 IRA Contributions
By Sarah Brenner, JD Director of Retirement Education Believe it or not, you still have some time if you are having second thoughts about that IRA contribution you made...
Part 2: Who Should NOT Convert to a Roth IRA?
By Andy Ives, CFP®, AIF® IRA Analyst In our August 31, 2026, Slott Report entry, we offered a list of situations where Roth conversion could make sense. In that...
Can I Do a Conversion From the Inherited IRA Into the Inherited Roth IRA?: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: I am age 74 and inherited both a traditional IRA and a Roth IRA from my older sister who recently died. Can I do a...
An Update on State Law Tax Treatment of Trump Accounts
By Ian Berger, JD IRA Analyst A Slott Report article from April 20, 2026, reported that a number of states intended to tax Trump accounts less favorably than they are...
The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Denielle Cerny & Associates, deems reliable but in no way does Denielle Cerny & Associates guarantee its accuracy or completeness. Denielle Cerny & Associates had no involvement in the creation of the content and did not make any revisions to such content. All such third-party information and statistical data contained herein is subject to change without notice and may not reflect the view or opinions of Denielle Cerny & Associates. Nothing herein constitutes investment, legal or tax advice or any recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Denielle Cerny & Associates, execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
For the detailed requirements of Ed Slott’s Elite IRA Advisor Group, please visit: https://www.irahelp.com/
Medicare Isn’t “Set It and Forget It”: 7 Life Changes That Should Trigger a Coverage Review
Choosing Medicare coverage is an important decision—but it is not necessarily a one-time decision. The coverage that worked well when you first enrolled may not continue to fit as your health, prescriptions, finances or lifestyle change. Unfortunately, many people...
Medicare Isn’t “Set It and Forget It”: 7 Life Changes That Should Trigger a Coverage Review
Choosing Medicare coverage is an important decision—but it is not necessarily a one-time decision. The coverage that worked well when you first enrolled may not continue to fit as your health, prescriptions, finances or lifestyle change. Unfortunately, many people...
Medicare Preventive Benefits: Are You Taking Advantage of What Medicare Covers?
When most people think about Medicare, they think about coverage for doctor visits, hospital stays, prescriptions, and medical treatment. But Medicare also provides access to a wide range of preventive services designed to help beneficiaries stay healthier and...
Medicare Preventive Care: The Benefits You’ve Already Paid For—Are You Using Them?
When most people think about Medicare, they focus on health insurance coverage for doctor visits, hospital stays, and prescription medications. What often gets overlooked is one of Medicare's most valuable features: preventive care. Original Medicare covers a wide...
Don’t Miss These Medicare Benefits: Preventive Services That Can Help You Stay Healthier in 2026
Growing older doesn't mean slowing down—it means being proactive about your health. One of the most valuable, yet often overlooked, advantages of Medicare is the wide range of preventive services designed to help detect health concerns early, prevent illness, and...
Why Every Medicare Beneficiary Should Take Advantage of Their Annual Wellness Visit
When most people hear the words "annual checkup," they assume they're talking about a physical exam. Under Medicare, however, there's an important difference between an Annual Wellness Visit and a routine physical—and understanding that difference can help you stay...
7 Medicare Mistakes That Could Cost You Thousands in Retirement
As retirement approaches, Medicare becomes one of the most important financial decisions you'll make. While the program provides valuable healthcare coverage, choosing the wrong plan—or missing important enrollment deadlines—can result in unnecessary expenses,...
Medicare Myths That Could Cost You Money in Retirement
For many Americans, Medicare is one of the most valuable benefits they'll ever receive. Yet every year, countless individuals make important healthcare decisions based on misinformation or outdated advice. The truth is, understanding how Medicare works doesn't have to...
Medicare in 2026: Why an Annual Medicare Review Could Save You Money and Protect Your Coverage
As healthcare costs, prescription drug plans, and Medicare options continue to evolve, reviewing your Medicare coverage each year has never been more important. Many people assume that once they enroll in Medicare, they're set for life. Unfortunately, that's one of...
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