A Simple Guide to Retirement Planning

A Simple Guide to Retirement Planning

Who This Retirement Planning Guide Is For

Who This Retirement Planning Guide Is For

Who This Retirement Planning Guide Is For

Professionals, business owners, and anyone building their retirement savings who wants a clear, no-jargon framework for choosing between a 401(k), an IRA, and a taxable account, and knowing how much to put where.

Professionals, business owners, and anyone building their retirement savings who wants a clear, no-jargon framework for choosing between a 401(k), an IRA, and a taxable account, and knowing how much to put where.

What This Retirement Planning Guide is About

What This Retirement Planning Guide is About

What This Retirement Planning Guide is About

01

The building blocks of retirement savings: Pre-tax vs. post-tax contributions, tax deferral, and how compound interest turns small, consistent savings into a large nest egg over time.

02

Your account options, explained: 401(k)s, 403(b)s, Traditional and Roth IRAs, and taxable brokerage accounts, and what makes each one different.

03

2026 contribution limits and income rules: The current 401(k), IRA, and Roth IRA income limits, so you know exactly how much you're allowed to save this year.

04

A simple order of operations: A step-by-step approach to deciding where your next dollar should go, from employer match to Roth IRA to taxable brokerage.

Why This Guide Matters

Why This Guide Matters

Compound interest

See how a $500 monthly habit can grow to over $600,000 in 30 years.

Employer matching

Make sure you're not leaving free money on the table.

Roth vs. Traditional

Understand which account type fits your tax situation now and later.

Required distributions

Know when the IRS requires you to start withdrawing, and what changes in 2033.

Current limits

The exact 2026 numbers for 401(k), IRA, and Roth IRA contributions.

A savings order

A simple four-step approach to where your next dollar should go.

Download The Whitepaper

Download The Whitepaper

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Disclosure: This page is not investment advice and should not be relied on for such advice or as a substitute for consultation with professional accounting, tax, legal or financial advisors. The observations of industry trends should not be read as recommendations for stocks or sectors.


Investment advisory services are provided by Zoe Financial, Inc. (Zoe Financial), an investment adviser registered with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training. Learn more about Zoe Financial on the SEC’s Investment Adviser Public Disclosure website. Brokerage services are provided by Zoe Securities LLC and Apex Clearing Corporation, members of the Financial Industry Regulatory Authority Inc. (FINRA) and Securities Investor Protection Corporation (SIPC). Learn more about Zoe Securities and Apex on FINRA’s BrokerCheck website.

The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return. Zoe Financial does not provide tax or legal advice.

Explore the Zoe Wealth Platform with AI

Some of this content may have been generated with the assistance of AI. Please review and sense-check all outputs, as AI tools can occasionally produce incomplete or inaccurate information.

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Copyright © 2026 Zoe Financial, Inc. | All rights reserved

Disclosure: This page is not investment advice and should not be relied on for such advice or as a substitute for consultation with professional accounting, tax, legal or financial advisors. The observations of industry trends should not be read as recommendations for stocks or sectors.


Investment advisory services are provided by Zoe Financial, Inc. (Zoe Financial), an investment adviser registered with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training. Learn more about Zoe Financial on the SEC’s Investment Adviser Public Disclosure website. Brokerage services are provided by Zoe Securities LLC and Apex Clearing Corporation, members of the Financial Industry Regulatory Authority Inc. (FINRA) and Securities Investor Protection Corporation (SIPC). Learn more about Zoe Securities and Apex on FINRA’s BrokerCheck website.

The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return. Zoe Financial does not provide tax or legal advice.

Explore the Zoe Wealth Platform with AI

Some of this content may have been generated with the assistance of AI. Please review and sense-check all outputs, as AI tools can occasionally produce incomplete or inaccurate information.

(646) 680-9244

support@zoefin.com

666 Third Ave, 6th Floor
New York, NY, 10017