The Backdoor Roth: Who Actually Needs One
It is two steps and it is legal, and most people who ask about it can simply contribute to a Roth directly. For the people who cannot, one rule decides whether it is free or expensive.
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SEP, Solo 401k Or SIMPLE: Which Shelters More?
A SEP, a solo 401k and a SIMPLE all shelter self-employment income and give you wildly different amounts of room per dollar earned. On a modest profit the gap is roughly three to one.
The 401k Rollover Mistake That Triggers A Tax Bill
Direct and indirect rollovers move the same money to the same place. Only one of them can hand you a tax bill for a transaction you thought was neutral.
Can You Open An IRA If You Already Have A 401k?
Having a workplace plan does not use up your IRA allowance. It changes one narrow thing, and people fold three separate questions into that one.
The Beneficiary Form Beats Your Will
One form filled in at an HR onboarding session decides where your retirement account goes, and a will that says otherwise does not get a vote. Most people have not looked at theirs in years.
Roth Or Traditional: One Number Decides It
Strip out the noise and the whole choice comes down to your tax rate today against your tax rate when you withdraw. Everything else is a tiebreaker.
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