Retirement Planning

You’ve probably heard that Roth accounts can eventually provide tax-free income, and that a five-year rule is part of what makes that happen. What’s less understood is that the “five-year rule” doesn’t refer to a single requirement, since different types of Roth dollars follow different timing rules. Regular contributions, converted amounts, and earnings aren’t treated

If you sponsor a 401(k) plan, you’ve likely fielded a version of this question already: can an employee get to their money before 59½? Age 59½ is the point most commonly associated with taking retirement-account distributions without the 10% additional federal tax, but it isn’t an absolute lock. Certain plan provisions you control, employment events,

Your 401(k) is probably the backbone of your retirement savings, but the decisions around it keep changing as you go. How much to put in, whether to go traditional or Roth, what to do with an old account, when to convert, how to pull money out later; they’re all separate questions, and the best answer

For many Savannah River Nuclear Solutions (SRNS) retirees, the question is not whether you are done working forever. It is whether some type of part-time role could add extra income, more structure, a slower transition, or a little more flexibility after leaving full-time work. Continued work can affect your income timing, employee benefits, healthcare, taxes,

For Savannah River Nuclear Solutions (SRNS) retirees, estate decisions often involve more than deciding who gets what. They also involve deciding how assets will pass, what income may continue, who will have authority to act, and how all of that may affect your family and your long-term legacy. Estate planning is best approached as a