401(k) and Tax-Advantaged Accounts

This comprehensive guide covers the major tax-advantaged accounts including 401(k) plans, IRAs, HSAs, and 529 plans. You'll learn contribution limits, tax benefits, withdrawal rules, and strategic considerations for each account type. By mastering these concepts, you'll be equipped to make informed decisions about retirement and tax-optimized savings.

12 sections ยท 39 lessons

Course outline

Foundations

  1. What Are Tax-Advantaged Accounts
  2. Tax-Deferred Growth
  3. Tax-Free Growth
  4. The Power of Compounding
  5. Foundations

401(k) Basics

  1. How 401(k)s Work
  2. 2025 Contribution Limits
  3. Catch-Up Contributions
  4. Traditional vs Roth 401(k)
  5. 401(k) Basics

Employer Match & Vesting

  1. Employer Matching
  2. Understanding Vesting
  3. Types of Vesting Schedules
  4. Highly Compensated Employee Rules
  5. Employer Match & Vesting

IRA Fundamentals

  1. Traditional IRA Basics
  2. Roth IRA Advantages
  3. IRA Income Limits
  4. IRA Fundamentals

Backdoor Strategies

  1. Backdoor Roth IRA
  2. The Pro-Rata Rule
  3. Mega Backdoor Roth
  4. Backdoor Strategies

HSA Fundamentals

  1. HSA Eligibility
  2. The Triple Tax Advantage
  3. HSA Contribution Limits
  4. HSA Fundamentals

HSA Strategies

  1. HSA Investment Strategy
  2. HSA as Retirement Account
  3. HSA Strategies

529 Plans

  1. 529 Plan Basics
  2. State Tax Benefits
  3. Qualified Education Expenses
  4. 529 Gift Tax Rules
  5. 529 Plans

Withdrawal Rules

  1. Early Withdrawal Penalties
  2. Penalty Exceptions
  3. Roth Withdrawal Rules
  4. Withdrawal Rules

RMD Rules

  1. Required Minimum Distributions
  2. Calculating Your RMD
  3. Qualified Charitable Distributions
  4. RMD Rules

Rollovers & Conversions

  1. 401(k) Rollovers to IRA
  2. Direct vs Indirect Rollovers
  3. Roth Conversion Strategy
  4. Rollovers & Conversions

Strategic Planning

  1. Account Prioritization
  2. Tax-Efficient Asset Location
  3. Tax Diversification
  4. Strategic Planning

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