You elected the Roth option for your employer match because you wanted tax-free growth for your retirement savings. Your paycheck looked the same, your 401(k) balance kept climbing, and everything ...

Switching to a Roth 401(k) near retirement can be a good move that shields you from taxes when you are ready to live off your ...

Traditional 401(k)s give you a tax break today, but require you to pay taxes on your withdrawals later. Roth 401(k)s don't have an upfront tax break, but allow for tax-free withdrawals in retirement.

One of the most common retirement questions people face is also one of the most confusing. As you build your retirement savings, should you contribute to a pre-tax account like a 401(k) or IRA, or put ...

Is it better to make after-tax Roth 401(k) contributions or save before-tax in a traditional 401(k)? The answer varies depending on the taxpayer. While individuals with higher incomes might not ...

A safe harbor 401(k) is a special type of employer-sponsored retirement plan that helps businesses skip the hassle of annual IRS testing — while guaranteeing employer contributions to employees. In ...

If you’re still contributing to your 401(k) the same way you were five years ago—same percentage, same tax treatment—you may be leaving opportunity (or flexibility) on the table. In 2026, contribution ...

Traditional IRAs and Roth IRAs function in the same way as traditional 401(k) and Roth 401(k) plans, respectively, but knowing the difference is vital. Traditional retirement plans are tax-deferred, ...

If you're going to save for retirement, it generally makes sense to do so in a tax-advantaged account. That way, you can shave down your IRS bill in some shape or form in the course of building up a ...

A little-known SECURE 2.0 rule means your employer’s Roth match generates a 1099-R, even if you never took a dime out of the plan.