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July 6, 2026

An IRA playbook to build wealth

  • From your first job to retirement, here's a smart, stage-by-stage plan to maximize your tax-efficient growth.
    • By SHERYL ROWLING
    Morningstar

    In the world of financial planning, we often treat retirement accounts as static buckets. But for the savvy investor, an IRA has a life cycle that must evolve as they do. From a teen's first summer job to a retiree's final legacy bequest, the optimal way to use these accounts changes based on tax bracket and life stage.

    By viewing retirement savings as a five-stage life cycle, investors can minimize the IRS' take and maximize what stays in their pocket.


     
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