Forty "W"ritings

Both the Roth 401(k) and the Roth IRA offer the same core benefit: tax-free growth and tax-free withdrawals in retirement. But when it comes to accessing your money—especially before age 59½—the two accounts play by very different rules. Understanding those differences can make a meaningful impact on your financial flexibility, particularly if you experience a job change, need to tap into your savings earlier than planned, or are looking to build savings for an early retirement.

If you’re already maxing out your traditional 401(k) contributions and looking for additional ways to grow tax-free retirement savings, the Mega Backdoor Roth strategy might be one of the most powerful—and underutilized—tools available to you. This strategy allows eligible participants to contribute significantly more to their retirement accounts on an after-tax basis and then convert those dollars into a Roth account, where they can grow and eventually be withdrawn completely tax-free.

Many people spend their careers focused on reaching the next salary milestone or securing a promotion, but financial progress shouldn't be measured by your paycheck alone. The decisions you make in your peak earning years are just as important as the size of your paycheck. One of the most significant risks is lifestyle creep, which is the tendency for everyday spending to rise alongside income. How you manage a salary raise today can have a significant impact on your long-term financial security. Without a strategy for handling salary increases, even a high-earning household can find themselves ill-prepared for the future.

When most people think about estate planning, they think about bank accounts, investment portfolios, real estate, and personal property. What often gets overlooked is the growing universe of digital assets—the accounts, files, subscriptions, and online presences that are woven into nearly every aspect of modern life. Without a plan for these assets, your surviving spouse, family members, executor, or trustee could face significant challenges—or even be locked out entirely.

Equity compensation is one of the most powerful wealth-building tools available to executives, but it arrives with a decision-making framework that is genuinely difficult, time-pressured, and unforgiving if you get it wrong. The stakes are high, the rules are technical, and the clock starts ticking the moment the grant is made.

Starting January 1, 2026, new rules under the federal SECURE 2.0 Act will impact how certain employees make retirement plan catch-up contributions. If you’re age 50 or older and considered a “high-income earner,” it’s important to understand what’s changing and how it may affect your retirement and tax strategy.