401(k) contributions increase in 2025 and 2026, aiding longer-term savings growth. Qualified distributions from a 401(k) start at age 59 1/2 or separation after age 55. Early 401(k) withdrawals incur ...

Roth IRAs allow tax-free withdrawals in retirement but require understanding of their distribution rules. No required minimum distributions for Roth IRAs, unlike traditional retirement accounts. Early ...

Dr. JeFreda R. Brown is a financial consultant, Certified Financial Education Instructor, and researcher who has assisted thousands of clients over a more than two-decade career. She is the CEO of ...