Tax Season Scams and Rollover Questions Answered: Consolidating 401(k)s, IRAs, and Target-Date Funds скачать в хорошем качестве

Tax Season Scams and Rollover Questions Answered: Consolidating 401(k)s, IRAs, and Target-Date Funds

Learn how to protect your identity during tax season and decide when 401k and IRA rollovers make sense. Sean and Elizabeth discuss the scam tactics to watch for right now, including fake IRS messages, smishing, gift card draining, and AI-powered impersonation, plus simple habits that can help you avoid clicking, paying, or sharing info too fast. Then, investing Nerd Sam Taube helps answer listener questions about retirement account rollovers, including when to consolidate old 401ks, how to compare target date funds, what to know about mega backdoor Roth moves and pro rata tax rules, and how rollover IRA protections can compare with 401k protections. 0:00 Intro: What is a Mega Backdoor Roth? 1:33 Story Time: How Elizabeth Got Scammed on Christmas 5:31 Sean’s $2,400 Credit Card Fraud & Recovery Story 8:52 The Power of a Pause: Preventing Fraud 10:05 Password Hygiene: Notebooks vs. Digital Security 11:58 IRS Imposter Scams & "Smishing" (Text Scams) 14:00 AI Voice Scams & The Family "Safe Phrase" 16:59 Lightning Round: 401k & IRA Rollover Guide 18:25 Consolidating Old 401k Accounts: Pros & Cons 21:04 Comparing Target Date Fund Performance & Fees 22:15 Mega Backdoor Roth Deep Dive: Is It Worth It? 25:49 Understanding the Pro Rata Rule for Taxes 30:25 Choosing Between Robo-Advisors & Human Managers 33:33 Asset Protection: 401k vs. IRA Bankruptcy Laws 38:19 How to Contact the NerdWallet Team Report fraud through the FTC: https://reportfraud.ftc.gov/ 5 Low-Cost Target-Date Funds for 2026 https://www.nerdwallet.com/investing/... Mutual Fund Calculator: Growth and Fees https://www.nerdwallet.com/investing/... Best IRA Accounts for 2026 https://www.nerdwallet.com/retirement... Have a money question? Call or text 901-730-6373 or email podcast@nerdwallet.com #taxseason #taxtips #moneypodcast #moneyscams #financialscams