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Retirement Accounts

Saving is finally going to pay off. Learn more about how your retirement accounts fit into your long-term plan.

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68 articles

Retirement Accounts

Are 401(k) Contributions Tax Deductible?

Wondering if 401(k) contributions are tax deductible? Learn how traditional and Roth 401(k) plans affect your taxes and how to maximize your retirement savings.

Retirement Accounts

Roth IRA Withdrawal Rules

A Roth IRA gives you tax-free withdrawals in retirement, but you’ll need to meet certain IRS requirements to avoid taxes and penalties.

Retirement Accounts

Roth 401(k) vs Roth IRA

Compare Roth 401(k) and Roth IRA to understand key differences in contribution limits, tax benefits, and withdrawal rules. Make informed decisions for your retirement.

Retirement Accounts

How Are 401(k)’s Taxed When You Retire?

When you retire, taxes will come due on any money you take out of your traditional 401(k) account since it was put in pre-tax. Here’s what you need to know.

Retirement Accounts

What is an IRA? Understanding Individual Retirement Accounts

Learn about Individual Retirement Accoutns (IRAs), including types and benefits, and how to choose the best one for your retirement. Understand tax advantages, contribution limits, and withdrawal rules in our comprehensive guide.

Retirement Accounts

What Are the Roth 401(k) Withdrawal Rules?

If you have a Roth 401(k), you need to wait until a minimum age to begin taking money out of the account. Otherwise, you’ll face penalties and taxes.

Retirement Accounts

What are the 2026 Roth IRA Income Limits?

What are the Roth IRA income limits in 2026 ? Find out the maximum amount you can contribute to a Roth IRA if you’re over the age of 50.

Retirement Accounts

401(k) vs. Roth IRA

When it comes to retirement savings, the two most popular vehicles are the Roth IRA and Traditional 401(k), but it’s important to consider the very distinct differences.

Retirement Accounts

How 401(k) Matching Works

If your employer offers a 401(k), you can get a headstart on your retirement savings. Many employers will even match the amount you put in.

Retirement Accounts

What Is a Lifetime Annuity? How It Works

Saving for retirement takes discipline and work, but a lifetime annuity can serve as an easier alternative to traditional investment approaches.

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How Much Should You Save for Retirement?

Secure your financial future by learning diverse retirement saving strategies and discover methods to ensure your retirement savings are sufficient.

Retirement Accounts

11 Ways To Avoid the IRA Early Withdrawal Penalty

IRAs are a valuable retirement savings vehicle but they also have rules related to when withdrawals must be made; knowing the rules can help you to avoid additional taxes and potential penalties

Retirement Accounts

What is the 4% Rule and How Does It Work?

Learn everything you need to know about the 4% Rule; understand the key insights behind this well-known withdrawal strategy for your retirement.

Retirement Accounts

Roth IRA vs. Traditional IRA

Both the Roth IRA and Traditional IRA are great options for saving for retirement, but there are some notable differences to consider before you invest.

Retirement Accounts

No Retirement Savings at 50? How To Save in Your 50s

Starting retirement savings at 50 isn't ideal, but it's never too late! Uncover proven tactics and strategies to pave your way to financial comfort in your golden years.

Retirement Accounts

Are You Too Old to Open a Roth IRA?

Learn why it’s never too late to open a Roth IRA, its benefits, and strategies to maximize tax-free growth, even later in life.

Retirement Accounts

What is a Roth IRA?

The Roth IRA is an individual retirement savings account that lets you put money in after you’ve paid taxes on it, giving you tax-free distributions later.

Retirement Accounts

What is a Roth 401(k)?

A Roth 401(k) is like a Traditional 401(k), but the funds are put into your retirement savings account after taxes have already been taken out of them and in retirement they come out tax-free.

Retirement Accounts

How to Cash Out Your 401(k)

Cashing out a 401(k) can help you get through a financial tough time. But it’s important to understand the penalties and taxes before you make that decision.

Retirement Accounts

Vesting Employer-Provided Assets

Vesting applies to employer-provided assets like retirement savings accounts, stock options, and restricted stock. You’ll typically need to satisfy a minimum number of years.

Retirement Accounts

Best Way To Save for Retirement in 2026

Unlock the power of employer-sponsored retirement plans: maximize your 401(k), 403(b), or 457 and create the ultimate diversification strategy for retirement.

Retirement Accounts

Retirement Investments: How-to Guide

This guide offers an overview of the investment vehicles available for retirement, such as mutual funds, bonds, annuities, as well as employer-sponsored plans.

Retirement Accounts

Rule of 55: Taking Out Early 401(k) Withdrawals

There’s one special exception to the standard 401(k) withdrawal age: the Rule of 55. Using this provision, you can take distributions at age 55 without penalty.

Retirement Accounts

Types of Small Business Retirement Plans

Learn the key differences between SEP IRA, SIMPLE IRA, 401(k), and defined benefit retirement plans, and which is the best for your small business.

Retirement Accounts

Best Retirement Plans in 2026

Learn the differences between a 401(k), 403(b), Roth IRA, and other retirement accounts as well as which companies offer great investment plans.

Retirement Accounts

Best Tax-Friendly States for Retirement in 2026

Learn which states have the best taxes for your retirement—and which are the worst—administering levies to your social security benefits on top of others.

Retirement Accounts

How does a Thrift Savings Plan (TSP) Work?

Discover how the Thrift Savings Plan (TSP) helps federal employees and military members save for retirement with tax advantages and matching contributions.

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What Is a Fee-only Financial Planner?

Learn how a fee-only financial gets paid, how they compare to fee-based planners, and how to select an advisor for your assets.

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Will Inflation Deflate Your Retirement?

Learn which investments will yield strong returns during inflation, and how you can protect your retirement even when the currency is worth less.

Retirement Accounts

The "100 Minus Age" Rule Puts Retirees at Risk

The “100 Minus Age” rule is one way to calculate your retirement asset allocation, but is it the best way? Learn about why this rule might be outdated.

Retirement Accounts

Defined-Benefit vs. Defined-Contribution Plan

Learn the differences between defined-benefit (also known as pensions) and defined-contribution retirement plans and which might be best for your future.

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What is Retirement Decumulation?

Retirement means a reduced income, but you’ll still have expenses. Decumulation is the process of converting your nest egg into retirement income so that you can live comfortably.

Retirement Accounts

Will Roth IRA Withdrawals Be Taxed in the Future?

With a Roth IRA, you don’t pay taxes when you make withdrawals, but will that always be the case? Here’s what you need to know about the future of Roth IRAs.

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Quitting Your Job with a 401(k)

Whether your termination is voluntary or involuntary, if you have a 401(k), you’ll need to make a decision. You have several options, each with pros and cons.

Retirement Accounts

Making a 401(k) Hardship Withdrawal

When other options fail, a withdrawal from your 401(k) plan could be a way out of a financial hardship. But hardship withdrawals come with fees and taxes.

Retirement Accounts

IRA Contribution Limits in 2026

What are the 2026 IRA Contribution Limits? The 2026 contribution limit is $7,000, or $8,000 for those aged 50 and older. Learn more.

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How To Save for Retirement in Your 50s

Learn how to save for retirement in your 50s. Saving for retirement in your fifties is made easier thanks to catch-up contributions for 401(k)s and IRAs. Read more.

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Will Your Retirement Income Be Enough?

Planning for retirement can be tricky, especially with inflation impacting the numbers. We’ll give you tips to help you put a retirement plan in place.

Retirement Accounts

How 11 Types of Retirement Income Get Taxed

Will your retirement income be taxed? Learn how 11 types of retirement income are taxed, including Roth IRAs, 401(k)s, Pensions and Social Security.

Retirement Accounts

Do You Need a QDRO Form After a Divorce?

If you need to divide your retirement savings after a divorce, the judge will issue a QDRO, which directs the plan administrator to take action. Learn more.

Retirement Accounts

Protecting Your Pension in Divorce

Divorce is never easy, but typically both parties take a financial hit. Depending on your jurisdiction, retirement plans will usually be divided in half.

Retirement Accounts

Retirement Strategies for Government Employees

Government employees may have the benefit of a pension, but it’s also important to invest in other ways, such as through a defined contribution plan.

Retirement Accounts

Retirement Savings: Tax-Deferred or Tax-Exempt?

Having the right retirement accounts set up can make or break your retirement. Learn more about the benefits of tax-deferred vs. tax-exempt accounts.

Retirement Accounts

The Top Retirement Strategies for Teachers

Teachers often have access to retirement strategies not available to others. Since these can differ by state, we’ve outlined what you should take into account.