Retirement Planning

For 2026, the SEP IRA contribution limit is the lesser of 25% of an eligible employee’s compensation or $72,000. The compensation that can be counted is capped at $360,000. But if you are self-employed, “25%” is not 25% of your Schedule C profit. The IRS requires a special calculation...

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...

You're facing a $50,000+ decision that most people get wrong: Should your retirement savings go into a Roth or Traditional IRA? Here's the reality: In 2026, choosing the right account type could save you $50,000+ in taxes over 30 years. The wrong choice? It costs you. This guide cuts through the...

To max out a Roth IRA in 2026, contribute up to the amount you are legally allowed to put into IRAs for the year: $7,500 if you are under 50, or $8,600 if you are 50 or older because the 2026 catch-up contribution is $1,100. Then make sure the...

Retirement. Ah, that blissful time when we can finally kick back, relax, and spend our days doing whatever our hearts desire. It's the light at the end of the tunnel, the pot of gold at the end of the rainbow, the... well, you get the picture. But what happens...

As a financial planner with almost 30 years of experience, I've sat with countless families in the quiet, overwhelming days after losing a loved one. Amid the emotional turmoil, a pressing question always surfaces: "How are we going to survive financially?" If you're asking that question now, please know you...