Ian berger

Chocolate, Vanilla or Strawberry: How 401(k), 403(b) and 457(b) Plans Compare

Wednesday, June 04, 2025
Like Neapolitan ice cream, most company retirement savings plans come in three flavors: 401(k) plans if you work for a for-profit company or you’re a business owner with no employees; 403(b) plans if you work for a tax-exempt employer, a public school or a church; and 457(b) plans if you work for a state or local government.
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How the Compensation Limit Affects Retirement Plan Benefits

Wednesday, May 14, 2025
Many retirement plans base employer contributions on employee compensation. For many years, Congress has limited the compensation that can be taken into account for those contributions. Fortunately, this dollar limit only applies to very highly paid employees.
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How Plan After-Tax Contributions Are Taxed When Converted

Monday, May 05, 2025
The April 23, 2025, Slott Report article, "After-Tax 401(k) Contributions Shouldn't Be an Afterthought," discusses how 401(k) after-tax contributions can be moved into Roth accounts through in-plan Roth conversions, the “mega backdoor Roth IRA,” or split rollovers. This article will explain the tax implications of these strategies.
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After-Tax 401(k) Contributions Shouldn’t Be an Afterthought

Wednesday, April 23, 2025
With the popularity of Roth 401(k) contributions, after-tax (non-Roth) employee contributions have gotten short shrift. But, if your plan offers them, after-tax contributions are worth considering. They can significantly boost your retirement savings and can sometimes be funneled into Roth accounts while you’re still working.
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Still Waiting for IRS Guidance on IRA Self-Correction Program

Monday, April 14, 2025
In the 2022 SECURE 2.0 legislation, Congress gave the IRS two years – until December 29, 2024 – to come up with rules allowing IRA owners to fix certain mistakes through self-correction. Alas, December 29, 2024 has now come and gone, and we’re still waiting for those rules.
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