A Qualified Charitable Distribution (QCD) lets IRA owners aged 70½ and older move money straight from a traditional IRA to charity, keeping that amount out of taxable income. This guide covers RMD satisfaction, lowering AGI and MAGI, IRMAA, NIIT, Social Security taxation, contribution limits, and the SECURE 2.0 changes.
Principal Financial Group (PFG) 2026 stock analysis: SMB 401k recordkeeping leadership, Principal Asset Management and emerging-market pension joint ventures, group benefits, the fee-versus-spread revenue mix, strong capital return, and why this capital-light financial trades with the market cycle.
A practical 2026 guide to cash balance pension plans for business owners, doctors, lawyers, and consultants. How they allow $100k-$300k+ in tax-deductible contributions, why they dwarf 401(k) limits, stacking with a 401(k) and profit sharing, the actuary's role, funding risk, costs, and IRA rollovers at retirement.
A practical 2026 guide to choosing between an annuity and a lump-sum payout on a pension buyout, 401(k), or lottery win. Walks through present value, longevity, taxes, inflation, and survivor benefits with worked examples and comparison tables.
Complete 2026 guide comparing Traditional IRA, Roth IRA, and 401(k) retirement accounts. Contribution limits, tax advantages, investment options, and withdrawal strategies explained.