David Kindness is a Certified Public Accountant (CPA) and an expert in the fields of financial accounting, corporate and individual tax planning and preparation, and investing and retirement planning.

Melissa Horton is a financial literacy professional. She has 10+ years of experience in the financial services and planning industry. Robert Kelly is managing director of XTS Energy LLC, and has more ...

SIMPLE IRAs are for self-employed or small businesses with under 100 employees. You can contribute yearly up to $16,500, rising in 2026 to $17,000. Withdrawals before age 59 1/2 incur taxes and may ...