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Retirement Savings Mason Jar Coins

Retirement Savings Contribution Credit – Get a Tax Credit Just for...

There are significant tax benefits to low- and moderate-income families who save for retirement. The Retirement Savings Contributions Credit ("Saver’s Credit") could help you reduce your tax liability. A reward for building your financial security? That’s what we call a win-win.
Sepp Plans Length

What Are Substantially Equal Periodic Payments (SEPP) – Rule 72(t) Distributions

If you're lucky enough (and prepared enough) to retire early, you may run into a little snag when you try to withdraw money from...
Required Minimum Distributions Rules

IRA & 401k Required Minimum Distributions (RMDs) – Rules & Requirements

The government wants to help you save for retirement by giving you incentives like tax-deferred growth and deductible contributions through IRAs and work-sponsored plans. But...
Preparing Planning Retirement

How to Prepare and Plan for Retirement

Whether your retirement is fast approaching or decades away, it is likely that you do not spend much time pondering what will happen when...
Spousal Ira Rules Eligibility

What Is a Spousal IRA – Rules, Eligibility & Benefits

If you are a stay-at-home spouse, it seems unfair that you can't build up a retirement account in your name. After all, one of...
Financial Planning Musicians Performing Artists

Financial Planning Guide for Musicians & Performing Artists

In addition to having been a professional or semi-professional musician throughout my entire adult life, I've also served as a life insurance advisor and...
Stock Market Crash Stressed Trader

Sequence of Returns Risk – How It Can Make or Break...

Every day, roughly 10,000 American baby boomers reach retirement age. But are they financially ready for retirement? According to data compiled by Comet Financial Intelligence,...
Federal Thrift Savings Plan Advice

Federal Thrift Savings Plan (TSP) – Complete Guide & Advice

Possibly one of the greatest benefits to U.S. government or military service is the Thrift Savings Plan. The Thrift Savings Plan (also known as...
Strategies Retirement Investing

4 Crucial Strategies You Need When Investing for Retirement

While there are a variety of investment options available to everyone, an astute investor must practice good fundamentals to control risks and optimize potential...
Floating Rate Funds

What Are Floating Rate Funds – Pros & Cons and Examples

Many types of mutual funds are primarily designed to pay income to investors in various forms. Some income funds invest in bonds, while others...
Elderly Couple Tax Calculation Retirement Pennies

Taxes on Retirement Accounts – IRA & 401(k) Distributions & Withdrawals

When your retirement accounts are growing, it's great to see the numbers climb. But when you retire and start withdrawing money from your IRA and...
Roth Federal Thrift Savings Plan

What Is a Roth Federal Thrift Savings Plan (TSP)

The U.S. Federal Government's Thrift Savings Plan (TSP) is a deferred contribution retirement plan for Federal employees. The TSP is administered by the Federal...