Retirement vehicles

Retirement vehicles shelter gains and convert savings into lifelong income. We compare IRAs, 401k plans, Roth accounts, HSAs, annuities, and Social Security timing. Tables list contribution limits, employer matches, income phase-outs, and early-withdrawal penalties so you see advantages side by side. Strategy guides explain rollovers, backdoor contributions, and asset location to cut taxes now and later. Payout sections show fixed versus variable annuity math, bucket approaches, and required minimum distributions. Tools include calculators that map spending, inflation, and longevity odds, helping you decide which mix sustains purchasing power through long retirements.