Our Latest
Articles
Do Beneficiaries Pay Tax on an Inherited IRA? Rules for 2026
By Craig Wear, CFP®, Q3 Advisors. Last reviewed: September 2026. Last updated: September 2026. Do beneficiaries pay tax on an inherited IRA? Yes for a […]
Can You Recharacterize a Roth IRA? Contribution vs Conversion Rules
By Craig Wear, CFP® | Last reviewed: September 2026 Can you recharacterize a Roth IRA? Yes, a contribution. You can switch a current year Roth […]
Do You Pay State Tax on 401k Withdrawals? A State by State 2026 Guide
By Craig Wear, CFP® | Last reviewed: September 2026 Do you pay state tax on 401k withdrawals? It depends on where you live. Nine states […]
Can You Change Your 401k Contribution at Any Time? What to Know for 2026
By Craig Wear, CFP® · Fee-only retirement tax planning · Last reviewed: September 2026 Can you change your 401k contribution at any time? Yes. Most […]
Are 401k Contributions Tax Deductible? The Pre-Tax Truth for 2026
Retirement Tax Planning · Last reviewed: September 2026 · By Craig Wear, CFP® Are 401k contributions tax deductible? Not exactly. Traditional 401(k) contributions are pre-tax, […]
How Are 401k Withdrawals Taxed? A Federal Guide for Every Age
By Craig Wear, CFP® | Last reviewed: September 2026 How are 401k withdrawals taxed? Traditional 401(k) withdrawals are taxed as ordinary income at your marginal […]
What Is a Roth IRA? A 2026 Guide to After-Tax Retirement Savings
What is a Roth IRA? A Roth IRA is an individual retirement account you fund with after-tax dollars, so qualified growth and withdrawals in retirement […]
403b to Roth IRA Conversion: How the Direct Rollover and Taxes Work
By Craig Wear, CFP®. Last reviewed: September 2026. A 403b to Roth IRA conversion is a taxable move of pre-tax 403(b) money into a Roth […]
When Did the Roth IRA Start? A Sourced History of Roth Accounts
By Craig Wear, CFP® · Last reviewed: September 2026 When did the Roth IRA start? The Roth IRA started on January 1, 1998, created by […]
Can You Have Two 401k Accounts? Rules, Limits, and the Double-Deferral Trap
By Craig Wear, CFP® | Last reviewed: September 2026 Can you have two 401k accounts? Yes. You can hold two 401k accounts at the same […]