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401k Vesting Schedule: Cliff vs. Graded (2026 Rules)
A 401k vesting schedule sets how much employer money you keep if you leave. Learn cliff vs. graded vesting, IRS legal maximums, and what forfeits early.
RMD Penalty 2026: 25% Excise Tax and How to Fix It
The RMD penalty is a 25% excise tax on a missed required minimum distribution, reduced to 10% if corrected in time. Learn the rules, Form 5329 waiver, and 2026 start age.
Do You Pay Taxes on 401k Withdrawals After 65? 2026 Guide
Yes, traditional 401(k) withdrawals after 65 are taxed as ordinary income. See 2026 federal brackets, the age-65 deduction, RMDs at 73, and state rules.
Tax Diversification in Retirement: The Three Tax Buckets (2026)
Tax diversification in retirement means holding taxable, tax-deferred, and tax-free accounts so you can control taxable income each year. See 2026 limits, Roth conversion timing, RMD rules, and IRMAA effects. Educational, not advice.
How Are Dividends Taxed? 2026 Rates and Rules
How are dividends taxed in 2026? Qualified dividends use the 0%, 15%, or 20% rates; ordinary dividends are taxed at 10% to 37%. See 2026 thresholds, NIIT, and state rules.
Roth IRA for Kids: 2026 Rules, Limits, and How to Open One
A custodial Roth IRA lets a child with earned income save for retirement. Learn the 2026 limit, the earned-income rule, withdrawals, FAFSA, and how to open one.
How to Report a Rollover on Your Taxes (2026 Guide)
How to report a rollover on your taxes: enter the Form 1099-R gross amount on Form 1040 line 4a/5a, show the taxable amount as zero, and write “Rollover.”
Designated Roth Account: 2026 Rules, Limits, and How It Differs From a Roth IRA
A designated Roth account is the after-tax Roth sub-account in a 401(k), 403(b), or 457(b). See 2026 limits, the 5-year rule, RMDs, and how it differs from a Roth IRA.
In Service 401k Rollover: 2026 Rules, Eligibility, and Tax Guide
How an in service 401k rollover works: age 59 1/2 and plan-document eligibility, direct vs indirect tax treatment, NUA on employer stock, and 2026 limits.
Saver’s Credit 2026: Income Limits, Rates, and Form 8880
The 2026 Saver’s Credit is worth 50%, 20%, or 10% of up to $2,000 in retirement contributions. See the 2026 AGI limits, rate bands, Form 8880 rules, and the 2027 Saver’s Match change.