{
  "id": 19695475,
  "title": "3 IRA Moves to Make Now if You're Planning to Retire in 2027",
  "url": "https://urgent.news/2026/11/12/3-ira-moves-to-make-now-if-youre-planning-to-retire-in-2027",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-11-12T19:36:01.000Z",
  "source": {
    "name": "Motley Fool",
    "slug": "motley-fool",
    "url": "https://www.fool.com/retirement/2026/11/12/3-ira-moves-to-make-now-if-you-re-planning-to-retire-in-2027/?source=iedfolrf0000001"
  },
  "original_language": "en",
  "account": "If you're planning to retire in 2027, it's crucial to ensure your IRA is ready for this milestone. While you might think there's no need to contribute to your IRA once you're nearing retirement, making additional contributions could provide a financial cushion. IRA contributions are tax-deductible, and there's a maximum limit of $7,500 for those under 50 and $8,600 for those 50 and over.\n\nAs retirement approaches, consider shifting your IRA's asset allocation to a more conservative mix, including dividend stocks for income rather than growth stocks which can be volatile. If you're worried about Required Minimum Distributions (RMDs) starting to take a significant bite out of your retirement income, you might want to explore a Roth conversion. This allows you to move money from a traditional IRA into a Roth IRA, where earnings and withdrawals grow tax-free, and there are no RMDs. However, keep in mind that Roth conversions are taxable events, so it's wise to consult with a financial advisor to strategize the conversion process for optimal tax efficiency.",
  "summary": "Check these items off your list before your time in the workforce ends.",
  "key_points": [
    "Contribute $7,500-$8,600 annually to IRA for retirement cushion.",
    "Shift IRA assets to conservative mix of dividend stocks before 2027.",
    "Consider Roth conversion to tax-free growth and avoid RMDs."
  ],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}