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A 401(k) match is employer money added to your account based on your own contributions. See how match formulas, vesting, and 2026 limits work, with IRS sources.

How are annuities taxed? A 2026 educational guide from Q3 Advisors on ordinary-income treatment, the LIFO rule, exclusion ratio, 1035 exchanges, inherited annuities, and state rules, with IRS citations.

How to file IRS Form 8606 for nondeductible IRAs and backdoor Roth conversions, apply the pro-rata rule, and fix missing prior-year forms. 2026 IRS figures cited.

SEP IRA contribution limits for 2026: the lesser of 25% of compensation or $72,000, the self-employed 20% calculation, eligibility, deadlines, and how a SEP compares to a Solo 401(k). Educational, IRS-sourced.

How is an inherited annuity taxed? Gains are generally ordinary income with no step-up in basis. See spouse vs. non-spouse rules, payout timing, and the 10% penalty exception.

How capital gains are taxed in retirement in 2026: the 0/15/20% brackets, the 0% harvesting window before RMDs, and the NIIT, IRMAA, and Social Security interactions to weigh. Educational, IRS-sourced.

SEP IRA vs Solo 401k for 2026: a Solo 401(k) often allows more at low-to-mid income via the $24,500 deferral, while a SEP IRA offers simplicity and a later deadline. Compare limits, Roth, loans, and filing.

Are Medicare premiums tax deductible? Yes, in most cases. Learn the Schedule A 7.5% AGI rule and the self-employed deduction, with 2026 figures and IRS sources.

2026 catch-up contributions: $8,000 at age 50, $11,250 for ages 60-63, and the new Roth rule for earners over $150,000. Limits, deadlines, and IRS sources.