Healthcare is the largest uninsured expense in retirement. Medicare covers significant costs but leaves substantial gaps: premiums, deductibles, copayments, dental, vision, hearing, and long-term care. A client who retires without a plan for funding those gaps is going to cover them from taxable retirement income, which makes the coordination question more consequential than it might […]
Displaying: retirement planning
HSA as a Retirement Tool: How to Maximize the Triple Tax Advantage
An HSA funded consistently over a 30-year career and invested rather than spent can accumulate more tax-efficiently than almost any other account available. That’s not a hypothetical. It’s what the structure of the account makes possible. Most clients don’t use it that way. What it takes to actually maximize it starts with the contribution limits, moves through the investment question, and ends with how […]
401(k) Planning in 2026: Contribution Limits, Plan Types, and Key Rules for CPAs and Advisors
The 401(k) remains the most widely used employer-sponsored retirement vehicle in the country. Contribution limits went up in 2026, a new Roth catch-up requirement for high earners took effect, and the foundational rules on plan design, vesting, and nondiscrimination testing remain as consequential as ever. Here’s a current reference on how the numbers and rules look this year. 2026 […]
Lump Sums vs. Pension Payout: Which is Best?
As retirement nears for your clients, they might receive the offer to choose between a retirement pension that is paid regularly throughout retirement, or a lump sum paid once.