November 20, 2025

Welcome to IRA Insider — Let's Cut Through the Noise Together

Understand IRAs and retirement accounts without the confusing jargon or sales pitches.

By Dan Cashion • 8-year retirement specialist, Charles Schwab & TD Ameritrade

Hi everyone — Dan Cashion.

For almost a decade, I've worked inside the retirement world helping clients, reps, and teams understand the rules that confuse everyone else: IRAs, RMDs and Inherited RMDs, Roth conversions (back door Roth), SIMPLE IRAs, SEP IRAs, 401(k)s (solo, individual, employer plans), rollovers, taxes, and every "gotcha" the IRS hides in the fine print.

Over the years, I've written hundreds of internal Knowledge Blasts breaking down these topics in plain English so my team could give better answers, avoid mistakes, and help clients with confidence.

Now, I'm taking that same clarity and putting it out into the world.

What you'll get here

Simple, clean breakdowns of:

Traditional IRAs & Roth IRAs

RMDs & Inherited RMDs (10-year rule)

Rollovers vs transfers

Roth conversions

SIMPLE & SEP IRA rules

Employer plan confusion

Taxes, withholding, and real-world scenarios

No jargon. No fluff. Just exactly what you need to know, written so anyone can understand it.

Who this Substack is for

Everyday investors who want to make smarter retirement decisions

Advisors and reps who want clearer explanations

Anyone tired of Googling IRS rules and getting garbage answers

Anyone who wants the truth, not the sales pitch

What paid subscribers receive

Full access to every Knowledge Blast

Priority Q&A — ask me ANYTHING

Real case breakdowns

New weekly posts

Deep-dive explainers

Access to the full archive

A community of people who want straight answers

If you want to stay ahead of tax changes, avoid penalties, and feel confident about your retirement decisions, you're in the right place.

Thank you for being here

Whether you're here for the free posts or want to join the paid community, I appreciate you. This is the start of something big.

Let's make retirement SIMPLE again.

— Dan

Frequently Asked Questions

What types of retirement accounts and topics will you cover in your articles?

I cover all the major retirement accounts including Traditional and Roth IRAs, 401(k)s, SIMPLE IRAs, and SEP IRAs. I also break down complex topics like RMDs, inherited RMDs, Roth conversions, rollovers vs transfers, and tax implications in plain English.

Do I need to be a financial advisor to benefit from this content?

Not at all! This content is designed for everyday investors who want to make smarter retirement decisions, as well as financial advisors who want clearer explanations. If you're tired of getting confusing answers when you search for IRS rules online, this is for you.

What's the difference between free and paid subscription content?

Paid subscribers get full access to every Knowledge Blast, priority Q&A where they can ask me anything, real case breakdowns, and new weekly posts. Free subscribers get limited access to the basic content.

How is your approach different from other retirement planning resources?

I focus on cutting through the noise with simple, clean breakdowns written in plain English - no jargon or fluff. Having worked inside the retirement industry for almost a decade, I know exactly what confuses people and can explain the 'gotchas' that the IRS hides in the fine print.