School of Saving and Investing

The School of Savings & Investing, presented by Meld University, conducts classes and publishes articles to help you stay abreast of the world of investing.

A piggy bank and stack of coins beside a sign that says “2025”
IRA Contribution Limits in 2025

School of Saving and Investing

The IRS recently announced tax year 2025 contribution limits for traditional and Roth IRAs as well as SIMPLE and SEP IRAs.

HSA contribution limits represented by a piggy bank and jar labeled "HSA"
HSA Contribution Limits In 2025

School of Saving and Investing

After an annual inflation adjustment, the amount you can contribute to a health savings account will increase for tax year 2025.

An open blue notebook with the words Roth 401k and Traditional 401k written at the top of each page, and a ‘+’ and ‘-‘ under each to give the impression that someone is making a list of pros and cons.
Choosing Between Roth and Traditional 401(k) Contributions

School of Saving and Investing

Designated Roth accounts are a popular choice for savers with 401(k) plans, but they aren’t right for every situation.

An investor overwhelmed by too many retirement account statements
Do You Have Too Many Retirement Accounts? A Case Study

School of Saving and Investing

A couple came to Meld with nearly 20 retirement accounts. We created a unified plan that provided simplicity and peace of mind.

A man holding two icons – one check mark and one “x” – signifying a choice
Should You Rollover Your 401(k) At Retirement?

School of Saving and Investing

At retirement, you’ll need to decide whether to keep your savings in your 401(k) or roll them into an Individual Retirement Account.

A retired woman relaxing on a sofa
Are You Retirement Ready? A Case Study

School of Saving and Investing

A client believed she wasn’t financially ready to retire but a second opinion from Meld helped her enter retirement confidently.

Compound growth represented by plants growing from blocks that become progressively larger with an arrow tracking upward progress.
The Power of Compound Growth in Your Portfolio

School of Saving and Investing

Compounding returns is a powerful concept. By understanding this concept, you can leverage it to rapidly grow your savings.

A child sitting behind a jar of money with the word college taped on the jar.
Educational Savings Accounts: Everything You Need to Know

School of Saving and Investing

When saving for your child’s college, the account you choose can impact your taxes, investment options, and chances of success.

A nest with 3 eggs on top of a retirement tax form. Roth, IRA and 401k are written on the eggs.
The Evolution of Retirement Savings Accounts

School of Saving and Investing

Retirement accounts have changed drastically from the pensions of the late 19th century to the plethora of options available today.