Roth IRA

Charitable Donations Tax Deduction: 2023 Update November 21, 2023 1:29 PM   |  

Planning a yearend charitable contribution? Learn about the charitable donations tax deduction and what code changes to expect for the 2023 tax season.

3 min read  |  Tax Strategy
Can I Contribute to an IRA and a 401(k)? Yes, and 2024’s Contribution Limits Are Still at Record Highs November 16, 2023 12:52 PM   |  

Can I contribute to both my employer's 401(k) and a traditional or Roth IRA? How do I make the most of my retirement savings with more than one account?

4 min read  |  IRA & 401k Plans
Looking for an IRA Tax Deduction? Know the IRA Types & Tax Considerations November 14, 2023 12:55 PM   |  

Learn the rules, benefits, and limitations around IRA tax deductions. What are the different types of IRAs, and how can you choose the right one for you?

4 min read  |  IRA & 401k Plans
Avoid Costly Tax Mistakes: IRA & 401(k) Withdrawal Penalties November 6, 2023 12:58 PM   |  

Learn about contributions, early withdrawal penalties, and distributions to help you avoid paying taxes on your IRA and 401(k) retirement funds.

5 min read  |  Tax Strategy
What to Know About Catch-Up Contributions August 14, 2023 4:56 PM   |  

SECURE 2.0 requires higher earners to put their catch-up retirement savings in a Roth 401(k), but this may not be possible for everyone.

5 min read  |  IRA & 401k Plans
Can Life Insurance Be Used for Retirement? Yes, but Consider the Alternatives April 20, 2023 10:44 AM   |  

When it comes to creating a diversified retirement plan, investors may want to consider alternatives to life insurance. Here's some alternatives to consider.

5 min read  |  Retirement Planning
Can You Take Money Out of a Roth IRA? Withdrawal Rules to Know April 19, 2023 12:58 PM   |  

The Roth Individual Retirement Account (IRA) is a popular tax-advantaged retirement account. Here’s what to know about Roth IRA early withdrawal rules.

5 min read  |  IRA & 401k Plans
Near-Identical Cousin? 403(b) Plans & Tax Implications Explained April 19, 2023 12:48 PM   |  

What's the difference between a 401(k) and a 403(b)? Find out when the 403(b) might work for you.

5 min read  |  IRA & 401k Plans
2021 New Year’s Financial Resolutions for Your Portfolio April 19, 2023 12:17 PM   |  

Start the new year off right by making resolutions for your portfolio. Consider evaluating your portfolio regularly, trimming off unwanted assets or liabilities, learning new investing skills, saving regularly, and planning early.

3 min read  |  Savings Goals
Traditional & Roth IRA for Kids: Potential Benefits of Starting Early March 14, 2023 10:22 AM   |  

Learn about the benefits of traditional and Roth IRAs for kids. Teaching your child early on about these accounts can help them save ahead of time for retirement.

5 min read  |  IRA & 401k Plans
No 401(k)? No Problem. Alternative Ways to Save for Retirement March 7, 2023 10:18 AM   |  

Not everyone has a retirement plan through their employer, but that shouldn’t hold you back. Here are alternative ways to save for retirement without a 401(k).

4 min read  |  IRA & 401k Plans
SECURE Act 2.0 Now Law: How It’s Likely to Change Your Retirement Planning February 1, 2023 11:52 AM   |  

SECURE Act 2.0 is now law. With dozens of new provisions, many Americans will get to invest longer for retirement, put away more money, and take advantage of the biggest changes in years for their employer-sponsored 401(k) plans.

5 min read  |  Retirement Planning
Roth vs. Traditional IRA: Which One Makes More Sense? January 4, 2023 11:10 AM   |  

What’s the difference between a Roth and traditional IRA? When does a Roth IRA make sense? Can I have both? TD Ameritrade can help you decide.

3 min read  |  IRA & 401k Plans
Over the Roth IRA Income Limit? Considering a "Backdoor" Roth IRA? December 28, 2022 11:18 AM   |  

Wish you could contribute to a Roth IRA, but you're above the income limit? Consider using a backdoor Roth IRA to make it happen.

5 min read  |  IRA & 401k Plans
Thrift Savings Plans: An Overview ... and What’s Ahead in 2023 November 7, 2022 9:58 AM   |  

Are you a member of the military or a federal employee? Here’s what you should know about Thrift Savings Plans.

21 min read  |  Plan Distributions
Rolling Over Your Nest Egg? 401(k) to IRA November 3, 2022 3:09 PM   |  

Consider a rollover IRA if you're trying to figure out what to do with an old 401(k) retirement plan. Learn the IRA rollover rules and strategies.

4 min read  |  IRA & 401k Plans
Ready for Roth? Why Now May Be the Time to Do a Roth Conversion August 29, 2022 2:39 PM   |  

With the stretch IRA gone thanks to the SECURE Act, it might be time to revisit your estate plan. If you have money in a traditional IRA, you might consider a Roth IRA conversion.

5 min read  |  IRA & 401k Plans
The Job Market’s Looking Up for Teens—Are Their Money Management Skills Ready for That First Paycheck? June 21, 2022 11:21 AM   |  

The job market is looking up for teens. Learn some money management tips your teen can use for bank accounts, investing, and getting started on retirement.

2 min read  |  Household Finances
Planning Ahead: How Will Your Estate and Heirs Be Taxed? March 15, 2022 6:05 PM   |  

There are a lot of factors to consider when developing an estate plan that can minimize taxes. Learn the differences between estate tax versus inheritance tax.

5 min read  |  Estate Planning
2022 Roth IRA Income & Contribution Limits: What You Need to Know March 8, 2022 10:38 AM   |  

Interested in contributing to a Roth IRA? Here’s what you need to know about Roth IRA income and contribution limits in 2022.

5 min read  |  IRA & 401k Plans
To Withdraw or Not to Withdraw: IRA & 401(k) Required Minimum Distribution (RMD) Rules & FAQs September 2, 2021 10:15 AM   |  

New RMD rules require withdrawing funds from your IRA and 401(k) at 72. If you don’t take the required minimum distribution, you could face a tax penalty.

4 min read  |  Plan Distributions
IRAs 101: What Is an Individual Retirement Account (IRA)? January 15, 2021 9:47 AM   |  

Understanding the basics of an Individual Retirement Account (IRA). This is a brief IRA 101 article defining what is an IRA.

1 min read  |  IRA & 401k Plans
Retiring or Near Retirement in 2020? Financial Lessons Learned from COVID-19 December 18, 2020 10:30 AM   |  

The COVID-19 pandemic has made this an interesting year for investors—particularly for those in or near retirement. But is it fair to call 2020 a “game changer” for retirement planning?

5 min read  |  Retirement Strategies
The Election Is Over. Perhaps It’s Time for a Portfolio Review November 17, 2020 10:30 AM   |  

A leadership change in the White House could mean a shift in policy priorities, but if you’re a long-term investor, other factors such as earnings, taxes, and interest rates may be larger concerns. Perhaps now’s the time for a post-election portfolio review.

5 min read  |  Economic Trends
Millennials Are Ready to Buy Homes—But on Their Terms February 27, 2020 10:30 AM   |  

Millennials lead the way in first-time homebuyer stats and appear ready to move forward with this important milestone. But a few roadblocks still exist.

3 min read  |  Savings Goals
Social Security Taxes: 3 Ideas to Help Minimize the Impact January 2, 2020 10:00 AM   |  

Many retirees are surprised to learn that, above a certain income threshold, Social Security can be subject to taxation. Here are strategies to consider.

5 min read  |  Social Security
Pros and Cons of Trading in Your Retirement Account September 18, 2019 10:37 AM   |  

Trading in your retirement account has several potential advantages and disadvantages to consider as you develop your strategy.

5 min read  |  IRA & 401k Plans
Unexpected Early Retirement: Does Your Planning Include Plan B? July 22, 2019 10:15 AM   |  

It’s important to have a retirement plan in place, but if you have to retire early, what sources of income can you rely on?

5 min read  |  Retirement Planning
Boomer U: Lifelong Learning for Seniors Heading Back to the Classroom May 6, 2019 1:18 PM   |  

Seniors are returning to the classroom to continue their education and skills for a more fulfilling and meaningful retirement.

5 min read  |  Retirement Lifestyle
Freelance Economy: How to Prepare for Financial Uncertainty April 17, 2019 4:00 AM   |  

Freelance work can offer advantages like flexibility, but it also comes with more financial risk and uncertainty. Consider tax-advantaged retirement accounts to help combat some of the financial negatives of freelancing.

5 min read  |  Household Finances
What Baby Boomers Can Do When Volatility Hits Near Retirement April 15, 2019 4:00 AM   |  

Baby boomers will soon start to enter retirement, and with life expectancy extending, there will be many volatile factors to consider for your own retirement.

5 min read  |  Retirement Planning
Tax-Efficient Investing: Ease Uncle Sam’s Bite March 11, 2019 4:00 AM   |  

If you have both taxable and tax-advantaged accounts and can choose which securities are held in which accounts, here are some ideas to help you decide where to invest.

5 min read  |  Tax Strategy
Accumulation: Four Steps to Build Your Retirement Portfolio February 22, 2019 4:00 AM   |  

Ready to invest for retirement? Learn a few simple steps to get a retirement investment portfolio ready for the road.

5 min read  |  Portfolio Management
Tips for Making Sure Your College Graduate is Financially Savvy February 14, 2019 4:00 AM   |  

Is someone in your family moving from lecture hall to office this year? Here are a few ways to help 2019 graduates get a head start toward a strong financial footing.

2 min read  |  Budgeting & Saving
Social Security: How It Works and Strategies to Maximize Your Benefits January 23, 2019 4:00 AM   |  

Learn how Social Security works and how to maximize your benefits and retirement income.

5 min read  |  Social Security
Writing a Will: Several Dos and Don’ts and Why You Need One December 28, 2018 4:00 AM   |  

Are you ready to start estate planning and writing a will? Let's explore several dos and don'ts of the estate planning process.

6 min read  |  Estate Planning
Working Toward Retirement Goals? Consider the Max IRA Contribution November 20, 2018 4:00 AM   |  

How can maxing your IRA contributions help you in the coming tax season?

5 min read  |  IRA & 401k Plans
Asset Location & Asset Dislocation: Cashing in Your Retirement August 27, 2018 4:00 AM   |  

Asset dislocation—liquidating or selling the assets in your retirement accounts—involves tax planning and budgeting, among other things. Are you ready?

5 min read  |  Retirement Planning
Have You Done Your Annual Retirement Planning Checkup? November 14, 2017 11:00 PM   |  

As the year winds down, it’s time to assess your retirement accounts, look at your retirement plan and determine if you should make an annual contribution.

3 min read  |  IRA & 401k Plans
The Rundown on IRAs: What They Mean for You February 14, 2017 11:00 PM   |  

Build your retirement nest egg with an individual retirement account. There are tax advantages of Roth, Traditional, SIMPLE and SEP IRAs.

2 min read  |  IRA & 401k Plans
Paying for College: Should You Dip Into Your Roth IRA? July 7, 2015 8:00 PM   |  

College costs are rising at a faster clip than inflation, leaving many parents in a financial lurch. Nontraditional accounts like a Roth IRA may help.

3 min read  |  College Savings Plans
We’ve Been There, Kid: Retirees Provide Tips for Your Future February 5, 2013 8:39 AM   |  

Where retirement planning and reality intersect, tough decisions loom. TD Ameritrade retirees share what they know now that they wish they knew then.

4 min read  |  Goal Planning
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