Articles
Guides and deep dives on income planning, 401k strategy, and tax optimization.
A beginner-friendly guide to the types of investments available in your 401k - index funds, target-date funds, mutual funds, ETFs, and company stock. How they work, what they cost, and how to choose.
A plain-English guide to the three types of 401k contributions — pre-tax, Roth, and after-tax. How each one works, when it makes sense, and how they interact with employer match.
Solo 401(k) vs SEP IRA vs SIMPLE IRA: how to maximize retirement savings when you have both W2 and 1099 income. Covers the pro-rata rule, mega backdoor Roth via solo 401(k), and when each option makes sense.
How to contribute to a Roth IRA when your income is too high. Step-by-step walkthrough, pro-rata rule explained, 5-year rules, and key mistakes to avoid.
How to contribute up to $72,000 to your 401k using after-tax contributions and in-plan Roth conversions. Includes 2026 IRS limits, step-by-step execution, and common pitfalls.