by ff | Aug 12, 2026 | Retirement Planning
The Real Difference Isn’t the Account, It’s the Income Pattern Our Solo 401(k) vs. SEP-IRA guide covers which plan lets a self-employed person shelter more money. This is a different problem: how do you actually fund either plan when your income swings...
by ff | Aug 12, 2026 | Retirement Planning
The Real Problem: Fewer and Fewer Workers Have an Actual Pension Only a small share of private-sector workers today have a traditional defined-benefit pension. Most retirees have to build their own guaranteed income floor from a 401(k) or IRA balance instead of...
by ff | Aug 12, 2026 | Retirement Planning
Why This Is a Retirement-Planning Problem, Not Just an Elder-Law One Most retirees eventually pay for long-term care out of pocket until their savings run low enough to qualify for Medicaid — nursing home care commonly runs into six figures a year, and Medicare...
by ff | Aug 12, 2026 | Retirement Planning
Our QDRO division mechanics guide covers how a 401(k) balance gets split in divorce. It assumes a clean account balance. An outstanding 401(k) loan complicates that math in a way that catches a lot of divorcing couples off guard. Why an Outstanding Loan Isn’t...
by ff | Aug 12, 2026 | Retirement Planning
When two spouses are close in age, most retirement milestones – Social Security eligibility, Medicare enrollment, RMD age – land in roughly the same years for both. A meaningful age gap breaks that alignment, and the further apart the ages, the more the...
by ff | Aug 12, 2026 | Retirement Planning
Our Inherited IRA 10-Year Rule guide covers how most non-spouse beneficiaries must empty an inherited account within 10 years. What it doesn’t cover: five specific categories of beneficiary the SECURE Act carved out as exceptions to that rule entirely –...
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