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Retirement Accounts & Workplace Plans

Learn how 401(k)s, IRAs, Roth accounts, employer plans, contribution limits, and other retirement savings accounts work.

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01 How do 401(k)s and IRAs differ? Compare two common ways to save for retirement. 02 Should I use traditional or Roth? See how the two tax approaches compare. 03 How does an employer match work? Understand how workplace matching contributions are calculated. 04 Can I make catch-up contributions? Review catch-up contribution rules for age 50 and over.

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Interactive tool 401k Employer Match Calculator Estimate your annual 401(k) match and see how much more you may need to contribute to receive the full match under your plan’s… Try calculator Interactive tool Traditional vs Roth Calculator Compare estimated Roth and traditional retirement account outcomes based on contributions, tax rates, investment growth, and withdrawal assumptions. Try calculator

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Retirement Accounts & Workplace Plans articles

Recent guides and practical explanations from across this topic.

Guide to small business owner-friendly retirement options Retirement Accounts & Workplace Plans
• 21 min read

Guide to small business owner-friendly retirement options

Key takeaways Why small business owners need a dedicated retirement plan Employees at large companies are often automatically enrolled in…
Ricardo Ramirez Ricardo Ramirez
Catch-up contributions: Rules for age 50 and over Retirement Accounts & Workplace Plans
• 14 min read

Catch-up contributions: Rules for age 50 and over

Key takeaways Why catch-up contributions exist Standard IRS contribution limits apply the same way regardless of when someone started saving…
Ricardo Ramirez Ricardo Ramirez
What parents need to know about the new Trump Accounts for kids Retirement Accounts & Workplace Plans
• 20 min read

What parents need to know about the new Trump Accounts for kids

Key takeaways A $1,000 federal seed deposit invested from birth and left untouched is projected to grow to roughly $6,000…
Ricardo Ramirez Ricardo Ramirez
All the different 401(k)s, explained Retirement Accounts & Workplace Plans
• 11 min read

All the different 401(k)s, explained

Key takeaways When most people hear “401(k)”, they immediately imagine a workplace retirement account that takes money out of every…
Ricardo Ramirez Ricardo Ramirez
How to use Health Savings Accounts (HSAs) as a retirement tool Retirement Accounts & Workplace Plans
• 11 min read

How to use Health Savings Accounts (HSAs) as a retirement tool

Key takeaways $345,000: That is Fidelity’s lifetime estimate of average healthcare costs for a 65-year-old couple who retired in 2025,…
Ricardo Ramirez Ricardo Ramirez
How exactly does an employer 401(k) match work? Retirement Accounts & Workplace Plans
• 14 min read

How exactly does an employer 401(k) match work?

Key takeaways A 401(k) match is additional retirement money layered on top of an employee’s contributions, calculated as a set…
Ricardo Ramirez Ricardo Ramirez
Traditional vs. Roth accounts: Tax advantages explained Retirement Accounts & Workplace Plans
• 17 min read

Traditional vs. Roth accounts: Tax advantages explained

Key takeaways Every dollar saved for retirement eventually faces a tax bill. The question is not whether taxes will be…
Ricardo Ramirez Ricardo Ramirez
401(k) vs. IRA: How these retirement accounts differ Retirement Accounts & Workplace Plans
• 7 min read

401(k) vs. IRA: How these retirement accounts differ

Key takeaways Financial literacy regarding retirement planning can be tricky, but not impossible. The reality is that the acronyms start…
Ricardo Ramirez Ricardo Ramirez
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