Retirement

after-tax 401(k)

What is the After-Tax 401(k)?

The 401(k) has become synonymous with retirement. It’s the primary type of account used to save for retirement in today’s corporate world. Most are aware of the tax benefits a traditional 401(k) provides along with often generous “matching contributions” made by employers to encourage saving. However, one potentially overlooked 401(k) option by both employers and …

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roth conversions

How to Maximize Roth Conversions

Roth conversions are a powerful tool to utilize for various reasons when it comes to maximizing retirement savings. A Roth conversion is an essential part of the back-door Roth ira strategy (for high-income earners) who otherwise can’t make a direct contribution to a Roth. It’s also a strategic way to “max out” marginal income tax …

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Roth IRA vs IRA

Whats the Difference? Roth IRA vs IRA

The Roth IRA vs IRA debate, like most personal finance subjects, is unique to each individual. Everyone’s situation and financial circumstances are different, therefore there aren’t any cookie cutter solutions. The decision begins with understanding Roth IRA vs IRA debate, and when it makes sense to contribute to one or the other. Roth IRA vs …

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