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A QLAC is a qualifying longevity annuity contract held in a traditional IRA or workplace plan. See the 2026 $210,000 premium limit, the age-85 rule, and how it defers RMDs, with IRS sources.

How Roth 401(k) withdrawal rules work in 2026: qualified vs non-qualified distributions, the five-year clock, the age 59.5 test, the 10% penalty, pro-rata earnings, and the 2024 end of lifetime RMDs. Educational, IRS-sourced.

An excess IRA contribution triggers a 6% excise tax each year until corrected. See the 2026 limits, the penalty rules, and three ways to fix it before your deadline.

The 60-day rollover rule gives you 60 calendar days to redeposit an IRA or retirement plan distribution tax-free. Learn the deadline, once-per-year limit, 20% withholding trap, and IRS waiver routes.

A rollover IRA holds money moved from a 401(k) and works like a traditional IRA. See 2026 IRS rules, tax treatment, contribution limits and common pitfalls.

Estimated taxes in retirement for 2026: safe harbor rules, quarterly due dates, and the year-end RMD-withholding trick to avoid quarterly filing and penalties.

Defined benefit plan contribution limits 2026: the $290,000 benefit cap, why there is no fixed contribution limit, plus an age-based funding table. IRS sourced.

IRA recharacterization explained: how to switch a contribution between Roth and traditional IRA, 2026 deadlines, the conversion ban, and IRS forms.

2026 SIMPLE IRA contribution limits: $17,000 base or $18,100 higher tier, plus $4,000, $3,850, and $5,250 catch-ups, per IRS Notice 2025-67. Educational, not advice.