I learn something every day on this platform I never knew about the match for contributions or role overs. That prompted me to research who has the highest match/roll over: SoFi (your current favorite for the match) - 1% IRA match on contributions + rollovers - 2% match if you’re a SoFi Plus member - Also offering $150 gift card for $1,000+ deposits (stackable) - Clean app, easy automation - Cap: Up to $50,000 match value on large transfers ⭐ Schwab (your favorite overall) - No IRA match - Strengths: research tools, customer service, full-featured platform - If Schwab offered 1%, they’d dominate — but they don’t. ⭐ Robinhood - 3% match for Gold members ($5/mo) - 1% match for free users - No cap — best for large balances - Highest match available among major brokers ⭐ Webull - 3.5% match for Premium users - Applies only to contributions (not rollovers) - Subscription required - Technically the highest match, but with strings attached

@Aj W. look like you choose the best one charges to operate. FXAIX charges 0.015%, which is extremely low compared to typical mutual funds. - FXAIX: 0.015% - Schwab S&P 500 (SWPPX): 0.02% - Vanguard S&P 500 (VFIAX): 0.04% - Average active mutual fund: 0.50%–1.00%

And you f you are doing 401k to Roth IRA Your question about “the last 2 years for Medicare” is referring to the IRMAA two‑year lookback rule — the rule Medicare uses to decide whether you pay extra premiums (IRMAA) for Part B and Part D. This rule becomes veryimportant when you’re doing Roth conversions, because conversions increase your MAGI and can trigger higher Medicare premiums two years later. I like to stay away from the cliff. If you convert $50,000 in 2024: - Your 2026 Medicare Part B and D premiums may jump into a higher IRMAA tier. - Your 2027 premiums will be based on 2025 income. - Your 2028 premiums will be based on 2026 income. This is why people nearing Medicare age (63–65) must be careful with conversions.

@Sa Williams I’m glad 😊 we are not at the RMD age yet we are planning for at least 10 years in advance. The reason I’m talking about conversions now is because rolling over an old 401(k) into a Roth IRA is something you can do anytime, not just near retirement. The only ‘conversion issue’ is that when you convert to a Roth, the amount you convert counts as taxable income for that year. That’s why I’m being careful — because once I’m on Medicare, higher income can trigger IRMAA surcharges. So I’m planning ahead and keeping my taxable income low now, so I don’t accidentally bump myself into a higher Medicare bracket later. And yes, rolling over an old 401(k) is usually smart so you have better control, better investment options, and you’re not stuck with the old employer’s plan. It’s 3 bucket the government can tax 1st pension 2nd 401k or traditional Ira 3rd social security and that determines to cost for taxes and Medicare. They won’t tax Roth again or brokerage account. That’s why this community is important thanks to the Wealth Twins🎉. We can share what we learn

Yes

I’m thinking to do a Roth conversions for the next ten years to keep me in a lower tax bracket because I’m in my 50’s, this is a move financial advisor are not telling us but it is powerful for someone with: - pensions - Social Security - multiple 401k’s - Buckets 🪣 that won’t deplete your money in your 401k when you retire are: - HSA - brokerage accounts - high future taxable income - Roth IRA growth is tax‑free forever - Roth IRA withdrawals are tax‑free - Roth IRA has no RMDs - Roth IRA does not increase IRMAA (this is why I want to keep the taxes at 12% vs 22%) when I retire - Roth IRA does not increase Social Security taxation