#retirement-savings
Track retirement savings and investment growth
The Net Unrealized Appreciation election lets retirees pay long-term capital gains rates on employer stock distributed from a 401(k) instead of ordinary income, often saving more than $144,000 on a $1 million position. Covers eligibility under IRC 402(e)(4), the lump-sum distribution rule, and the most common mistakes that destroy the strategy.
A Roth conversion ladder converts traditional IRA dollars to Roth in annual tranches, each unlocking penalty-free five tax years later — the core mechanism FIRE retirees use to tap pre-tax accounts before age 59½ while filling low tax brackets.
Tap your IRA or 401(k) before 59½ penalty-free with Rule 72(t) SEPP. Learn the three IRS calculation methods, the 5% rate floor, and recapture tax pitfalls.
Section 199A lets you deduct 20% of qualified REIT dividends, cutting the top federal rate to about 29.6%.
A practical guide to Self-Directed IRAs (SDIRAs) — what you can hold, the disqualified-person rules under IRC §4975, UBIT and UDFI on leveraged real estate, the McNulty checkbook-control warning, and the recordkeeping disciplines that prevent a deemed distribution.
SECURE 2.0 Act provisions taking effect in 2026 and 2027 — mandatory Roth catch-ups for earners over $145,000, RMD age pushed to 75 for those born after 1960, $35,000 lifetime 529-to-Roth rollovers, and up to $16,500 in small business retirement plan startup credits.
The Backdoor Roth IRA lets high earners contribute up to $7,500 a year to tax-free retirement growth by pairing a nondeductible traditional IRA contribution with a Roth conversion. Covers the five-step process, the pro-rata rule that derails most attempts, Form 8606 filing, and the recordkeeping that prevents being taxed twice.
In 2026, the Mega Backdoor Roth can move up to $47,500 of after-tax 401(k) money into Roth above the $24,500 elective deferral limit. This guide covers how the strategy works, the three plan features it requires, how the 401(k) pro-rata rule differs from the IRA version, and the mistakes that quietly erode its value.
Many small business owners struggle with retirement planning, often neglecting their personal financial future. This article outlines effective retirement savings strategies and plans available to entrepreneurs, ensuring a secure financial future while managing a business.
Many small business owners overlook retirement planning, relying solely on their business for future income. This guide outlines effective retirement savings vehicles tailored for entrepreneurs, emphasizing the importance of early planning and diverse investment strategies.
Many small business owners lack retirement savings plans, impacting both their financial security and that of their employees. This guide provides essential insights into setting up and maximizing retirement plans, highlighting potential tax benefits and contribution limits.
US IRA contribution deadlines decide whether you get this year's deduction — traditional vs Roth limits and the April tax-day cutoff.
