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Taxes
Plan around taxes the way the wealthy do, instead of reacting to them every April.
What the 2025 tax law changed for families in 2026
The 2025 federal tax law kept today's brackets, raised several deductions and added new ones. Here is what matters for a household plan in 2026.
Business owner tax basics: QBI, self-employment tax and retirement plans
The 2026 tax tools every small business owner should know: the QBI deduction, self-employment tax, retirement plans and quarterly payments.
Capital gains and tax-loss harvesting basics
How investment gains are taxed in 2026, why holding period matters, and how selling losers on purpose can lower your tax bill.
Charitable giving: DAFs, QCDs and appreciated stock
How donor-advised funds, qualified charitable distributions and gifts of stock can let you give more while paying less tax under 2026 rules.
Taxes on annuities, in plain words
Annuities grow tax-deferred, but withdrawals, lifetime income, heirs and early access each follow different tax rules.
How life insurance is taxed
Death benefits, cash value growth, withdrawals, loans and MECs each have their own tax rules. Here is how they fit together.
The HSA as a retirement account
A health savings account can be deductible going in, grow untaxed and come out tax-free for medical costs, which makes it a strong retirement tool.
Required minimum distributions, explained
RMDs force money out of pre-tax retirement accounts each year from age 73 or 75. Planning ahead can soften the tax they bring.
2026 retirement contribution limits explained
The 2026 limits for 401(k)s, IRAs, catch-up and the ages 60 to 63 super catch-up, in plain words, with how to use them.
Roth conversions: when paying tax early makes sense
A Roth conversion moves pre-tax savings into a Roth account; you pay tax now so later withdrawals can be tax-free.
Roth vs traditional: pay the tax now or later
Traditional accounts cut tax today; Roth accounts cut tax later. Here is how to choose, and why many people use both.
Tax brackets: marginal vs effective rate
Your marginal rate is the tax on your next dollar; your effective rate is your average. Knowing both makes most money decisions clearer.
Tax-efficient withdrawal order in retirement
Which account you spend from first can change your lifetime tax bill. The old rule of thumb is a start; bracket filling often does better.
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