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Future Planning

Retirement

Plan for your future with comprehensive retirement planning guides. Learn about 401(k)s, IRAs, and strategies for a comfortable retirement.

2025 Retirement Account Limits

401(k) Contribution
$23,500
+$7,500 catch-up if 50+
IRA Contribution
$7,000
+$1,000 catch-up if 50+
Roth IRA Income Limit
$150K
Single filers (full contribution)
Total 401(k) Limit
$70,000
Employee + employer combined

Retirement Account Types

4

401(k)

Employer-sponsored retirement account with pre-tax contributions, employer matching, and high contribution limits.

Pre-TaxEmployer Match
IRA

Traditional IRA

Individual retirement account with potentially tax-deductible contributions and tax-deferred growth.

Tax-DeductibleTax-Deferred
ROTH

Roth IRA

After-tax contributions grow tax-free. Qualified withdrawals are completely tax-free in retirement.

Tax-Free GrowthNo RMDs
SEP

SEP IRA

Simplified Employee Pension for self-employed individuals and small business owners with high limits.

Self-EmployedUp to $69K

Explore Topics

Retirement Accounts

401(k), IRA, and other accounts

Retirement Planning

Strategies for your retirement

Social Security

Understanding your benefits

Popular Articles

Guide

401(k) Guide: Everything You Need to Know

Master your 401(k) retirement account. Learn contribution limits, employer matching, investment options, and strategies to maximize your retirement savings.

13 min read
Comparison

Roth vs Traditional IRA: Which Is Better for You?

Compare Roth and Traditional IRAs side-by-side. Understand tax implications, income limits, and which account fits your financial situation.

11 min read
Guide

How Much Should You Save for Retirement?

Calculate how much you need for retirement. Learn saving benchmarks, the 4% rule, and strategies to reach your retirement number.

12 min read

Required Minimum Distributions (RMDs)

When RMDs Begin

  • 73If born 1951-1959
  • 75If born 1960 or later

RMD Exceptions

  • Roth IRA - No RMDs during owner's lifetime
  • Roth 401(k) - No longer subject to RMDs (SECURE 2.0)
  • Still Working - Can delay RMDs from current employer's plan

Retirement Planning Tools

Retirement Calculator

Project your retirement savings and see if you're on track to meet your goals.

Compound Interest Calculator

See how your retirement contributions can grow over time with compound interest.