529 Superfunding in 2026: Front-Loading Five Years of Contributions
529 superfunding lets couples deposit up to $190,000 per child in 2026. Here is how the mechanics, tradeoffs, and filing rules actually work.
Roth Conversion Ladder in 2026: Timing Withdrawals to Minimize Tax Drag
Roth conversion ladder strategy in 2026 after the TCJA sunset: how to time conversions, avoid IRMAA traps, and manage the five-year rule.
Required Minimum Distributions in 2026: New SECURE 2.0 Age Rules Explained
SECURE 2.0 moved the RMD starting age to 73 in 2026. Here is what that means for your withdrawals, penalties, and tax planning.
Solo 401(k) Contribution Limits in 2026: Self-Employed Tax Shelter Maximized
The 2026 solo 401(k) limit hits $70,000. Here is how self-employed workers can maximize contributions and cut their tax bill.
Backdoor Roth Conversion in 2026: Navigating the Pro-Rata Rule
The backdoor Roth conversion still works in 2026, but the pro-rata rule creates hidden tax traps most high earners don't see coming.
How to Actually Use a High-Yield Savings Account Without Leaving Money on the Table
High-yield savings accounts paid 5.35% APY in late 2024, yet the average American earned just 0.46% on savings. This 4.89 percentage point gap costs households thousands annually, but rate-chasing creates its own hidden costs. Here's the four-bucket framework and automation strategy that actually maximizes your effective yield.