Understanding Roth 401(k) Plans

Roth plans are a hybrid offered by employers that combine traditional 401(k) aspects with Roth IRAs.  They are a relatively newer type of plan, created in 2001 to offset some of the economic effects of the recession of the time. Employers since 2006 have been able to amend their Traditional 401(k) plans to let participants…

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Tax Efficiency in Retirement

What role should taxes play in your investment decisions?       Will you pay higher taxes in retirement? Do you have a 401(k) or a traditional IRA? If so, you will receive income from both after age 72. However, if you have saved and invested much of your life, you may also end up retiring…

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