A 401(k) is a retirement savings plan that allows employees to save money from their paychecks on a tax-deferred basis. A Roth 401(k) is a variation of the 401(k) plan that allows employees to make contributions after-tax.

Both 401(k)s and Roth 401(k)s offer …

Stock options are a form of equity compensation that companies offer to their employees. They give employees the right to buy a certain number of shares of the company's stock at a predetermined price. The price is typically set at a discount to the current market price.

Stock options can …

Modified adjusted gross income (MAGI) is a calculation used by the IRS to determine eligibility for certain tax benefits, such as the Roth IRA, the Saver's Credit, and the Health Savings Account (HSA).

MAGI is calculated by taking your adjusted gross income (AGI) and adding back certain deductions, such as …

Adjusted gross income (AGI) is a calculation used by the Internal Revenue Service (IRS) to determine your taxable income. It is calculated by taking your gross income and subtracting certain deductions and adjustments.

To calculate your AGI, you will need to gather the following information from your tax return:

• Your …

Equity compensation is a form of non-salary compensation that companies offer to their employees. It is a way for companies to attract and retain top talent, and it can also be a way for employees to share in the company's success.

There are a few different types of equity compensation …

Target-date funds are a type of mutual fund or exchange-traded fund (ETF) that is designed to help investors reach their retirement goals. Target-date funds automatically adjust their asset allocation as you get closer to retirement, becoming more conservative over time.

This can help you to ensure that your portfolio is …

The 5-fund investment strategy is a variation of the 3-fund and 4-fund strategies that adds a fifth fund to the mix: a real estate investment trust (REIT) fund. REITs are companies that own and operate income-producing real estate.

Adding a REIT fund to your portfolio can help to further diversify …

The 4-fund investment strategy is a variation of the 3-fund strategy that adds a fourth fund to the mix: an international bond fund. This can help to further diversify your portfolio and reduce your risk.

The 3-fund strategy

The 3-fund strategy is one of the simplest and most popular investment …

The 3-fund investment strategy is a simple and effective way to build a diversified investment portfolio. It involves investing in three different asset classes:

• Domestic stocks: This includes stocks of companies that are listed on U.S. exchanges.
• International stocks: This includes stocks of companies that are listed on exchanges …

Long-term investments are the best way to realize real financial growth over time. The sooner you can get started investing for the long-term, the more you'll benefit. For legal purposes, the following should not be considered financial advice. For personalize financial advice, please find a personal financial advistor.

Investing can …