Retirement Planning

Retirement is a long compounding game, and small moves early beat big moves late. Project your nest egg, compare Roth against Traditional, find your FIRE number, and plan the withdrawals, including required minimum distributions and Social Security timing.

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Where things actually stand

Plain-English how-to

Retirement

Spousal Consent for Retirement Accounts Explained

Married workers often need a spouse's written waiver to change beneficiaries or skip joint survivor payouts. Here is how ERISA consent, QJSA and QPSA rules, IRAs, and community property differ in plain English.

Retirement

What Is a 403(b) Catch-Up Contribution? Explained

Age 50 catch-up vs 15-year special catch-up, 2026 limits, coordination order, and examples with clear math.

Retirement

What Is a Retiree HRA? Health Reimbursement Explained

How employer funded retiree HRAs work versus HSAs and FSAs, what may qualify, Medicare coordination at a high level, taxes, and a planning checklist.

Retirement

What Is an Eligible Rollover Distribution? IRS Guide

An eligible rollover distribution is the tax-code gate for moving plan or IRA money. Here is what counts, what does not, how 20 percent withholding works, and why a direct rollover usually beats a 60-day check.

Retirement

What Is a Keogh Plan? Self-Employed Retirement Explained

How Keogh (H.R. 10) plans worked, what the name still means, and how SEP IRAs, solo 401(k)s, and defined benefit designs replaced the old label.

Retirement

What Is a Safe Harbor 401(k)? Formulas Explained

Why employers adopt safe harbor plans for ADP and ACP relief, how basic match, enhanced match, and nonelective formulas work in plain English, and what employees should contribute to collect the free money.