Posts Tagged ‘retirement tax planning’
Roth vs Pre-Tax for High Earners: How to Decide Without Guessing
You can make a lot of money and still feel unsure about one basic question. Should you put retirement dollars into Roth or pre-tax? It sounds like a simple choice. It isn’t. Because the “best” answer depends on what you earn now, how you earn it, what you can deduct, and what your future tax…
Read MoreBitcoin Volatility Isn’t Just Market Noise—It’s a Tax Strategy Window
Bitcoin can feel like whiplash. One week it’s up. The next week it’s down. Sometimes it’s both in the same day. If you’ve ever looked at your crypto account and thought, “Why did I even open this app,” you’re not alone. But here’s the part most high earners miss at first. Volatility isn’t only a…
Read MoreJanuary Tax Decisions That Create Flexibility for the Rest of the Year
January is one of the few months where your calendar and your cash flow are both quiet enough to think. You can still see last year clearly.You haven’t locked in this year’s habits yet. That mix makes January the month where you either build flexibility into the next 12 months…or guarantee a year of reacting,…
Read MoreWhy January Is the Best Month to Start Retirement Tax Planning
January has a strange power. Your calendar is empty. Your income for the year is still flexible. And every tax lever that matters for retirement is still on the table. If you want lower taxes for the rest of your working life, this is the month that gives you the most control. This guide walks…
Read MoreWhy High-Income Earners Underuse Their 401(k)s
401(k)s are everywhere. You hear about them early in your career.You probably have one.You might even contribute. And yet, many high-income earners underuse their 401(k)s in ways that quietly cost them flexibility and long-term tax control. Not because they don’t care.Not because they don’t understand money.But because the 401(k) feels… basic. Too small.Too restrictive.Too obvious.…
Read MoreUnlock Hidden Roth Contributions Through Your 401(k) or 403(b)
Roth IRA contribution limits are frustrating—especially when you’re a high earner. But there’s a way around it that most people miss. If your employer offers the right retirement plan, you can contribute far more than the standard Roth IRA limit—legally and efficiently. This strategy is called the Mega Backdoor Roth, and it works through your…
Read More