Retirement Planning
8 articles tagged “Retirement Planning”.
SIMPLE IRA vs. SEP IRA: Which Is Right for a Freelancer Who Hires Help
Retirement plan comparisons for the self-employed usually assume a one-person business.
How Much Do Freelancers Need to Retire? A Simple Framework for Inconsistent Income
Most retirement savings guidance assumes a steady paycheck and an employer match — neither of which applies to most freelancers.
Backdoor Roth IRA for Freelancers: How It Works and Who Should Use It
A profitable freelance business can push your income above the Roth IRA eligibility limit faster than you'd expect — and once you're over it, the direct path closes.
2026 Retirement Contribution Limits: Solo 401(k), SEP IRA, and IRA Numbers You Need This Year
The IRS adjusts retirement contribution limits for inflation every year, and 2026 brought increases across nearly every account type available to the self-employed.
Traditional vs. Roth IRA for the Self-Employed: Which Saves More on Taxes
For a freelancer already juggling a SEP IRA or Solo 401(k), an IRA on top can still make sense — but choosing between traditional and Roth depends on a bet about your future tax bracket, not just this year's return.
Solo 401(k) Contribution Limits and Deadlines for Freelancers
A Solo 401(k) lets a self-employed person contribute in two separate capacities — as employee and as employer — which is exactly why it allows far higher limits than a traditional IRA.
SEP IRA vs. Solo 401(k) for Freelancers: Which Retirement Account Wins
Self-employed retirement accounts allow contribution limits far beyond a typical employer plan. Here's how to choose between the two most popular options.