Employees of public schools, charities, houses of worship, and other tax-exempt organizations typically use 403(b) investment-plans. Like a 401(k) plan, you can set up payroll deductions to make pre-tax investments from your salary – automatically. Employee contributions are not taxable income, allowing these funds to grow tax-free until retirement. Some employees prefer Roth 403(b) accounts, which use after-tax dollars, to create tax-free retirement income (Roth 403(b) account distributions are tax-free).
Ritholtz Wealth Management are fiduciaries to our clients, meaning we provide advice on based on your best interest. We keep fees low, and disclose them upfront; because fees can greatly impact your results. And we provide personalized portfolio guidance, to help you choose the portfolio best suited to your goals.
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