Mega Backdoor Roth: A Tax-Friendly Retirement Strategy for Serious Savers
Could you be missing an opportunity to supercharge your Roth savings? While Roth IRA contributions are limited—and phased out at higher income levels—some employer plans allow after-tax contributions and in-service withdrawals, opening the door to a strategy known as the mega backdoor Roth.
Is Front-Loading Your 401(k) a Smart Move—or a Cash-Flow Trap?
Front-loading retirement contributions can feel like a smart move—especially in volatile markets. But is it always the best strategy? The “Henssler Money Talks” hosts walk through when front-loading can help, when it can hurt, and why discipline and cash-flow planning matter just as much as time in the market.
Q&A on RMDs: Rules, Timing, and Tax Impact
Once you reach a certain age, the IRS requires withdrawals from traditional IRAs and employer retirement plans, and those distributions can have real tax consequences.
Taxing Social Security Benefits: Clearing the Confusion
Social Security benefits weren’t changed by the One Big Beautiful Bill Act—but your tax picture might be. OBBBA introduces a new senior deduction that could lower taxable income for many retirees and reduce how much of their benefits are taxed. Here’s what the law does (and doesn’t) do, and what it means for seniors through 2028.
ABLE Accounts Are Now Available to Millions More with Disabilities
As of January 1, 2026, ABLE account eligibility has widened—now including individuals whose disability began before age 46. That change could open the door for millions more Americans, including many veterans, to save and invest for the future without jeopardizing critical public benefits.
Cash Balance Plans Help Some Business Owners Supersize Retirement Savings
These cash balance plans can stack on top of a 401(k), allowing business owners — especially partners in professional firms — to save hundreds of thousands more each year on a tax-deferred basis.
2026 IRA and Retirement Plan Limits
Retirement savers, take note! Several key IRA and workplace retirement plan limits are rising again for 2026. From higher IRA contributions to bigger 401(k) deferral limits, see what’s changing and how much more you can save next year.
Your Savings Priority List: What to Fund First—and Why It Matters
The “Henssler Money Talks” hosts explore the recommended “order to savings”—and why it’s not a one-size-fits-all formula. From employer retirement plans to Roth IRAs to taxable brokerage accounts, where you save first can depend on your goals, timeline, and tax picture. We break down the most common prioritization framework and help you think through the right path for your personal situation.
Seniors, You’ve Got a Limited-Time Tax Advantage—Here’s How to Use It
Seniors, listen up! Starting in 2025, new deductions could mean big tax savings—but only for the next four years. The “Henssler Money Talks” hosts share strategies for those over 65, from Roth conversions to charitable giving tactics. Learn how to make the most of the $6,000 per taxpayer bonus deduction, the senior deduction, and your standard deduction while the window is open.
Mandatory Roth Catch-Up Contributions Begin in 2026
Attention savers 50+! The SECURE 2.0 Act just made “catch-up contributions” even bigger—especially if you’re 60–63. But starting in 2026, some high earners will have to make these contributions on a Roth basis.