How Are RSUs and Stock Options Taxed? A Complete Guide to Equity Compensation

If your compensation package includes restricted stock units (RSUs), non-qualified stock options (NSOs), or incentive stock options (ISOs), you have probably noticed that tax season gets a lot more complicated. Each type of equity is taxed differently, at different points in time, and the rules for one can be almost the opposite of the rules […]

401(k) Withdrawal Rules: Taxes, Penalties & Exceptions

Navigating the rules around 401(k) withdrawals can be daunting. These accounts are primarily designed to fund your retirement, but life circumstances may prompt you to access these funds earlier than planned. Understanding the rules, penalties, and exceptions is essential to making informed financial decisions. In this guide, we’ll answer frequently asked questions about 401(k) withdrawals […]

6 Financial Goals To Set For 2026 | Setting Attainable Goals

Are you ready to make 2026 your best year yet? You may be looking to purchase a new home, pay off debt, save for your child’s college education, or take a much-needed vacation. Whatever your goals, it’s important to create a plan to achieve them. In this blog, we discuss 6 financial goals that you may […]

Mega Backdoor Roth (2026): Limits, Steps & Big Benefits

A Mega Backdoor Roth is an advanced savings strategy that lets certain high-income earners move tens of thousands of extra dollars into Roth accounts each year, far beyond the normal IRA and 401(k) limits. If your 401(k) plan allows it, you can: Make after-tax contributions to your 401(k) above the usual employee deferral limit, and […]

What Is 401(k) Vesting? Cliff vs. Graded, Safe Harbor & QACA

If your employer offers a 401(k) matching program, it can be a valuable way to grow your retirement savings. However, the money your employer contributes may not immediately belong to you. This is where 401(k) vesting comes in. Understanding 401(k) vesting is crucial for maximizing your retirement savings and making informed career decisions. In this […]

How To Open a 401(k): 4 Simple Steps to Get Started in 2026

You’ve probably heard of a 401(k) or Roth 401(k) and know it’s one of the most powerful ways to save for retirement. But how exactly do you open a 401(k)? Can you start one on your own, or does your employer need to set it up? At District Capital, we often hear these questions from […]

The Complete Guide To Virginia 529 Plans For 2026

If you’re trying to choose the right way to save for your child’s college in 2026, Virginia 529 plans, including the state’s flagship program, INVEST529, can be a smart place to start. A 529 plan is a tax-advantaged investment account designed for education savings, giving families a structured way to invest for future tuition and […]

SIMPLE IRA vs 401(k): Which Is Right For My Small Business?

Choosing the right retirement plan for your company is more than a financial decision. It’s a tool for attracting talent, keeping employees engaged, and building your own retirement savings. For many small businesses, the choice often comes down to a SIMPLE IRA or a 401(k). Both let employees contribute from their paycheck into a retirement […]

The Complete Guide To The DC 529 Plan For 2026

If you’re trying to figure out the best way to save for your child’s college in 2026, the DC 529 Plan is one of the most popular tax-advantaged options to consider. A 529 plan is designed to help families invest for future education costs, often with potential tax benefits, flexible contribution options, and a wide […]

8 Surprising 401(k) Benefits You Didn’t Know About!

401(k) plans have many benefits, and some are less well-known than others. A 401(k) is a type of retirement plan offered by an employer in which the employee can defer part of their paycheck into a retirement account to grow for their retirement years. Now, let’s get into some 401(k) benefits you may not know […]