It’s January 15th and its time to make a tax payment. Even if you are going to file for an extension, avoid excess penalties from the IRS and send in a check if you have not withheld enough money or paid enough in quarterly tax payments. Today I discuss how much you need to turn in and things to think about if you are over age 70 ½ this year. Other topics include:

• Getting into tax season

• What to do with your Roth IRA’s, Roth 401k’s and regular 401k’s

• 22 tips for starting 2019 on trac