Should I Consolidate Retirement Accounts? Pros, Cons & Steps
Should you consolidate retirement accounts? Often, yes, when fewer accounts make your money easier to manage without giving up a feature you still need. The mistake is treating…
Retirement Planning Archive
Previous retirement articles across income, withdrawals, Social Security, Medicare, IRAs, 401(k)s, annuities and retirement tax planning.
Retiring From Publix: What to Do With Your PROFIT Plan, 401(k) & Stock
Retiring from Publix? Do not make the rollover your first decision. If you are retiring from Publix or leaving after a long career, your first job is to…
Variable Annuity Pros and Cons: When They Make Sense
Variable annuity pros and cons are easiest to understand when you stop asking whether variable annuities are “good” or “bad.” Ask a harder question instead. What specific insurance…
Present Value of Annuity Calculator: Formula, Steps & Examples
A present value of annuity calculator tells you what a stream of equal future payments is worth today. Enter the payment amount, discount rate, term, payment frequency, and…
Early Retirement Calculator: When Can I Retire/FIRE?
An early retirement calculator can estimate when work may become optional, but the date is only as good as the assumptions behind it. Your spending, current investments, savings…
How Long Will My Money Last in Retirement? Calculator
How long your money will last in retirement depends mostly on how much you withdraw, how long retirement lasts, what your investments earn, inflation, fees, and how much…
Roth Conversion Rules 2026: Taxes, Deadlines & IRS Requirements
Roth conversion rules determine whether the transaction is eligible, how much is taxable, which tax year it belongs to, how it is reported, and what restrictions apply after…
Roth IRA Recharacterization: How to Undo a 2026 Contribution
An IRA recharacterization can change a regular Roth or Traditional IRA contribution to the other IRA type when the timing rules are met. A Roth IRA recharacterization lets…
Best Roth IRA Accounts for 2026: Which Provider Fits You?
There is no single best Roth IRA account for everyone. If you want a simple DIY Roth IRA, Fidelity and Charles Schwab are the first two providers I…
Can You Have a Roth IRA and a 401(k)? 2026 Rules
Yes, you can have a Roth IRA and a 401(k) and contribute to both in the same year. Having a workplace 401(k) does not use up your separate…