Cover Article

Making Sense of Your IRA Options

By Mark Biller & Matt Bell

Jan 28, 2026

An Individual Retirement Account is a great tool for building savings. But rules related to eligibility, account types, and “rollovers” can be confusing. We sort them all out for you.

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Written by

Mark Biller

Mark joined SMI in 2000. He leads the SMI newsletter’s overall content strategy, managing the editorial direction and writing many articles.

He helped develop several of SMI’s investment strategies, led the company’s efforts to create its first website, and has been a contributing author to The Sound Mind Investing Handbook.

Mark also serves as Senior Portfolio Manager to SMI Advisory Service’s Private Client managed-account program, the SMI Funds, and the SMI 3Fourteen Full-Cycle Trend ETF (FCTE) and REAL Asset Allocation (RAA) ETF's.

Follow Mark on X/Twitter at @mark_biller.

Matt Bell

Matt Bell is Sound Mind Investing's Managing Editor. He is the author of five biblical money management books and the teacher or co-teacher on three video-based small group resources.

His book, Trusted: Preparing Your Kids for a Lifetime of God-Honoring Money Management, was published by Focus on the Family in 2023. His newest book, Starting Strong: Discovering the Good That Money Can Do in Your Marriage, will be published by Focus on the Family in the spring of 2026. Matt has spoken at churches, universities, and conferences throughout the country and has been quoted in USA TODAY, U.S. News & World Report, and many other media outlets.

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Making Sense of Your IRA Options

Continue reading plus get access to our
objective, time-tested investing strategies.