Gerald "Jerry" Christopher, Jr., LUTCF
Blog
Monday, April 27, 2026 - The New York Times
The U.S. stock market’s quick rebound this month may be fragile, but riding out the market’s disconcerting waves has been a sound strategy.
Read more…
Thursday, April 30, 2026 - Business Insider
Iran’s pain from the war is increasing as the US blockade continues. The nation’s oil exports—the backbone to Iran’s economy—have been hit hard. Inflation has also soared amid supply shortages and a sharp drop in its currency. Read more…
Tuesday, April 21, 2026 - Investopedia
Millions of borrowers must leave the Saving on a Valuable Education repayment plan and choose another program that fits their financial situation. Borrowers can request a transfer through the Department of Education or their loan servicer. Experts recommend reviewing budgets and using loan simulators to prepare for repayment. Read more…
Thursday, April 23, 2026 - Business Insider
Wall Street is eyeing a blow-off top rally that leads to another steep drop. Stocks have rebounded sharply since the recent ceasefire, but a formal peace deal hasn’t been reached. Analysts are eyeing a market "consolidation" that could happen as soon as May. Read more…
| Roth IRAs | Traditional IRAs |
|---|---|
| Contributions aren't tax-deductible | Contributions may be tax deductible |
| Same | Same |
| Same | Same |
| Not eligible to contribute if modified adjusted gross income (MAGI) is over the annual threshold. | No income limits |
| Distributions are tax and penalty-free after age 59½, but contributions can be withdrawn at any time tax and penalty-free. | No penalty if you are age 59½, but taxable as regular income. 10% penalty for early withdrawals unless exception applies. |
| No age limit to contribute | No age limit to contribute |
| No RMDs for the account owner’s lifetime | RMDs, begin at age 73 |
Wednesday, April 22, 2026 - Investopedia
A Roth IRA is a powerful retirement tool because you fund it with after-tax dollars and can withdraw the money tax-free after age 59½. It can hold most types of investments, giving you the flexibility to build a diversified portfolio. Read more…