After nearly 30 years as a financial planner, I’ve seen one mistake cost investors more than any market crash: choosing the wrong investment account.
Picking the right Roth IRA provider isn't just about flashy ads or sign-up bonuses; it's about avoiding the silent wealth killers. High fees and limited options that...
Have you ever asked yourself, "Can I have a Roth IRA and a 401(k)?" If so, you're asking the right question, but it's only half the story. After nearly 3 decades as a financial planner, I've found the real question isn't if you can have both, but in what order you should fund...
Are you wondering how many Roth IRAs can you have? As more Americans look to shore up their retirement savings, Roth individual retirement accounts (IRAs) have become an increasingly popular option. Offering tax-free growth and tax-free withdrawals in retirement, Roth IRAs provide a powerful way to build a nest...
That moment of dread when you get a raise and your first thought is, "Am I about to get penalized for saving for retirement?" I've seen it countless times with my clients. The rules around Roth IRAs can feel like a labyrinth, especially when your income starts to climb.
As...
Saving for retirement is a financial marathon, and choosing the right account is like picking the right running shoes—the wrong choice can lead to a painful journey. With 2026 tax brackets projected to rise, the decision between a Roth 401(k) vs. Roth IRA has never been more critical for building a...
Saving for retirement is a top priority for many people, which is why Individual Retirement Accounts (IRAs) remain one of the most popular investment vehicles. When getting started with IRAs, one common question is "How many IRA's can I have?" The answer depends on the types of IRAs you...
Have you ever wondered what happens if you miss the RMD deadline? And is there a penalty for missing the RMD deadline? You're not alone.
Many retirees, financial advisors, and individuals managing retirement accounts grapple with this question. The key is understanding the rules and knowing how to navigate...
Retirement accounts: a world of choices, confusion, and financial uncertainty. We've all been there, overwhelmed by the maze of options, unsure which path to take. But fear not, because today we're diving headfirst into the ultimate clash: Roth IRA vs 401(k).
Picture this: a battle between two heavyweight contenders, both...
Just this past March 2025, a new client, a freelance marketing consultant, slid a tax projection across my desk showing she owed nearly $40,000 to the IRS. She thought her only option was to write the check. She was wrong.
My take? A SEP IRA isn't a retirement account you...
Let’s be real: staring down the Roth vs. Traditional 401(k) decision feels like defusing a bomb with two wires, both labeled "TAXES." I've had clients walk into my office with a mix of hope and sheer terror about a Roth conversion, terrified of the upfront tax bill.
For over...