Our Latest
Articles
TSP Funds Explained: The G, F, C, S, I, and Lifecycle Funds
The TSP funds are five core funds (G, F, C, S, and I) plus eleven Lifecycle funds, giving federal savers 16 low-cost options with net […]
2026 Tax Deductions for Retirees: The Full Checklist
The 2026 tax deductions for retirees can shield up to $24,150 of income if single and up to $47,500 if married filing jointly, before any […]
What Happens to Your 401(k) When You Leave a Job? Your 4 Options
When you leave a job, your vested 401(k) balance stays legally yours, and you choose among four options: leave it, roll to a new plan, […]
At What Age Is a 401(k) Withdrawal Tax-Free? (The Penalty-Free vs Tax-Free Myth)
A traditional 401(k) withdrawal is never tax-free at any age; it is always ordinary income at your marginal rate. Age 59 1/2 removes only the […]
The 2025 401(k) Executive Order: Private Equity, Crypto, and Alternative Assets
The 401(k) alternative assets executive order is a 2025 directive, not a rule, so no private equity or crypto is live in any employer plan […]
How to Find an Old 401(k): Track Down and Consolidate Lost Accounts
To find an old 401(k), start with your former employer and the plan recordkeeper, then search four free federal and state databases using your name […]
Traditional IRA Income Limits 2026: Deduction Phase-Outs by Coverage
Traditional IRA income limits do not cap contributions in 2026: anyone with earned income can contribute up to $7,500 ($8,600 at age 50 or older), […]
Small Business 401(k) Options: Solo 401(k), SEP, SIMPLE, and Safe Harbor
A small business 401(k) is one of four main 2026 retirement plans (solo 401(k), SEP IRA, SIMPLE IRA, and safe harbor 401(k)), sharing a combined […]
Rollover IRA vs Roth IRA: Tax Treatment and When to Convert
A rollover IRA vs Roth IRA choice comes down to tax timing: a rollover IRA holds pre-tax dollars taxed as ordinary income at withdrawal, while […]
Self-Directed 401(k): Alternative Assets in a Solo 401(k)
A self-directed solo 401(k) lets a self-employed saver hold alternative assets like real estate, private notes, and precious metals inside a retirement plan with checkbook […]