US Retirement Planning A to Z: The Only Guide You'll Ever Need (401k, IRA, Roth IRA)

Feeling lost in the alphabet soup of retirement accounts like 401(k)s, Traditional IRAs, and Roth IRAs? You're not alone. In this comprehensive guide, a California CPA breaks down the entire US retirement system into a simple, step-by-step roadmap. Whether you're starting your first job or looking to get serious about your financial future, this video will provide the clarity you need to build a secure and prosperous retirement. We'll demystify the jargon and provide actionable strategies to help you maximize tax benefits and make your money work for you. ✅ In This Video, You Will Learn: The US Retirement Blueprint: The "why" behind the government's strategy to encourage personal savings through tax benefits. Personal Savings (The IRA): Why the IRA is your most powerful tool. We'll cover the crucial differences between a Traditional and a Roth IRA and help you decide which is right for you (includes updated 2025 contribution and income limits). Workplace Savings (The 401k): How to take full advantage of the employer match—it's literally free money! Social Security: Understanding its role as the foundation of your retirement and the massive impact of your claiming age. Advanced Planning Tools: A look at powerful options like HSAs (Health Savings Accounts) and Living Trusts to protect your health and legacy. 🕒 Timestamps: 0:00 Intro 0:46 Chapter 1: The US Retirement Blueprint 1:09 Chapter 2: Personal Savings: The IRA (Your Most Important Tool) 1:52 Traditional IRA vs. Roth IRA: Which Should You Choose? 2:12 2025 IRA Contribution & Income Limits 2:44 Chapter 3: Workplace Savings: The 401(k) 2:52 The Employer Match: The Best Deal in Finance 3:25 Chapter 4: Social Security (Your Safety Net) 3:51 Why Your Claiming Age Matters 4:26 Chapter 5: Advanced Planning Tools 4:37 The "Triple Tax-Advantaged" HSA 4:56 Avoid Probate with a Living Trust 5:25 Key Takeaway: Start with an IRA! About SW Accounting & Consulting As a licensed CPA firm in California (S-Corp), we provide a full range of accounting and tax services in both English and Korean. Our expertise includes tax planning, audit, payroll services, and business consulting. If you need professional guidance to navigate your complex financial situation, don't hesitate to reach out. 📧 Email: [email protected] 🌐 Website: WWW.SW-CPAS.COM Disclaimer: The information provided in this video is for general informational purposes only and should not be considered professional tax or legal advice. Please consult with a qualified professional for advice tailored to your specific situation. #RetirementPlanning #401k #IRA #RothIRA #USTaxes #FinancialFreedom #CPA #SocialSecurity #HSA #BackdoorRothIRA #LivingTrust #CaliforniaCPA