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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.

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.

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.

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 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 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.

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.