Holiday spending decisions can affect your finances long after the decorations come down. Asking five questions before each purchase may help you avoid unnecessary debt, stay within your holiday budget, and keep your retirement savings on track into the new year. Takeaways Holiday spending decisions can...
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Before 2026 ends, review your retirement savings, consider increasing 401(k) and IRA contributions, use eligible catch-up contributions, and rebalance your investments. For 2026, new Roth catch-up rules also apply to certain higher earners making 401(k) catch-up contributions. Takeaways Review your retirement savings before year-end to see...
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Retirement savings stress often comes from uncertainty, not just your account balance. Creating a retirement plan, reviewing your 401(k) regularly, and getting professional help when needed can help you make more informed decisions and feel more confident about your retirement. Takeaways A retirement plan can improve...
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An HSA for retirement may help cover future healthcare costs while providing 3 tax advantages: pre-tax contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses. Common HSA mistakes include spending funds too early, leaving eligible funds in cash, exceeding contribution limits, losing medical receipts,...
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A 401(k) is one of the most important financial accounts you'll ever own, yet many investors don't fully understand how it works. Understanding key 401(k) terms, including employer match, vesting schedules, and target-date funds, can help you make more informed decisions, avoid costly mistakes, and...
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Married couples each have their own 401(k), but many retirement decisions work best when they're made together. Coordinating employer matching contributions, reviewing beneficiary designations, and understanding what happens to a 401(k) after death or divorce may help couples make the most of their retirement savings...
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The IRS issued Notice 2026-49 on August 12, 2026, with 4 optional sample forms and a 5-step process to simplify direct rollovers between retirement plans and IRAs. The guidance does not change rollover tax rules, and the public may comment through October 23, 2026. Takeaways Notice...
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Rebalancing is the act of periodically adjusting your 401(k) investments back to your intended asset allocation. While it does not guarantee higher returns, regular rebalancing may help manage risk, maintain diversification, and keep your retirement strategy aligned with your long-term goals. Takeaways Rebalancing can help restore...
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Fall spending often increases because back-to-school costs, seasonal expenses, holiday travel, and gift shopping happen within a few months of each other. Preparing for those expenses now may help you avoid unnecessary debt and help you keep contributing to your 401(k) through the end of...
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A custodial Roth IRA lets parents help a child with earned income start building long-term wealth. By starting early, children gain decades of potential tax-free growth while learning the value of saving and investing. Takeaways A custodial Roth IRA can help children build long-term wealth...
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