Regulations

One of the most common questions about retirement plans is: At what age can you withdraw money from a 401(k) without paying taxes or penalties? The answer depends on several factors, including: Your age The type of funds in the account (pre-tax vs Roth) Certain exceptions created by recent legislation, including the SECURE Act and […]

A Self-Directed Solo 401(k) is one of the most powerful retirement tools available to self-employed individuals. However, when your business activity ends—or you are no longer eligible to sponsor the plan—the Solo 401(k) must be formally closed. Closing a Solo 401(k) is not automatic. Failing to close a Solo 401(k) properly can result in significant […]

High-income professionals often assume they must choose one Roth strategy per year. In reality, the IRS allows a powerful combination of three separate Roth funding strategies to be used simultaneously — a structure we call the Roth Trifecta. When implemented correctly, the Roth Trifecta can allow an eligible taxpayer to contribute well over $100,000 in […]

A Roth Solo 401(k) in-plan conversion can be a powerful long-term tax strategy for self-employed business owners—but only if it’s executed correctly and on time. If you’re considering converting pretax Solo 401(k) funds (including alternative assets) into a designated Roth Solo 401(k) account in 2026, there are several critical rules, deadlines, and administrative steps you […]

A common question among employees and self-employed individuals alike is: “If I already participate in a 401(k), can I still contribute to an IRA?” The short answer is yes—but the details matter, especially when it comes to tax deductibility and income limits. Participating in a 401(k) Does Not Block IRA Contributions Participating in an employer-sponsored […]