by ff | Aug 12, 2026 | Retirement Planning
If you work for a public school, a 501(c)(3) nonprofit, or a hospital, your retirement plan is almost certainly a 403(b), not a 401(k) — the two share most of the same contribution math, but 403(b)s carry one genuinely unusual rule that doesn’t exist anywhere...
by ff | Aug 12, 2026 | Retirement Planning
A business owner who’s already maxing out a 401(k) and still wants to shelter significantly more income has essentially one real option left: a cash balance plan. It’s a defined benefit pension in legal structure, but it’s built and communicated to...
by ff | Aug 12, 2026 | Retirement Planning
Our QDRO tax treatment guide covers why dividing a retirement account in divorce doesn’t trigger a taxable event. This piece covers the part that comes before taxes matter at all: how the actual dollar amount or percentage gets calculated and who controls it...
by ff | Aug 12, 2026 | Retirement Planning
Our RMD basics guide covers the age-73 start date and the 25% penalty for missing one. What it doesn’t cover is a rule that trips up exactly the people it’s meant to help: which accounts you’re allowed to combine into one withdrawal, and which ones...
by ff | Aug 12, 2026 | Retirement Planning
A target-date fund’s cost is only half the story — the other half is its glide path, the actual formula that decides how much of your money sits in stocks versus bonds on any given day of your working life. Our expense-ratio breakdown covers what these funds...
by ff | Aug 12, 2026 | Retirement Planning
Borrowing from your own 401(k) feels lower-risk than it actually is — the loan itself isn’t a taxable event, but a job change with a balance still outstanding can turn it into one almost overnight. The Two Real Caps A 401(k) loan is capped at the lesser of...
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