Individual Retirement Accounts - IRAs
Strategies for maximizing your Individual Retirement Account (IRA’s) Investments, Tax Savings and Timing of Required Minimum Distributions
Found 430 Articles.
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More Scenarios When an IRA Conversion Makes Sense
Why bother with trusts when less than 1% of estates will pay estate or gift taxes? Many people are understandably, but mistakenly, thinking that way. Traditionally, tax savings were the primary reason to use trusts. But in 2018, individual estates worth up to $11.18 million are exempt from estate and gift taxes. Thanks to the […]
Avoiding the Pitfalls of Retirement Plan Rollovers
Why bother with trusts when less than 1% of estates will pay estate or gift taxes? Many people are understandably, but mistakenly, thinking that way. Traditionally, tax savings were the primary reason to use trusts. But in 2018, individual estates worth up to $11.18 million are exempt from estate and gift taxes. Thanks to the […]
Increasing IRA Conversion Benefits after Tax Reform
Many estate plans fail, and often not because of any flaws in the documents or the plans. Estate plan failures frequently occur in the implementation and execution. Especially important are actions taken by others, often your children. They’re likely to be the ones putting key parts of the plan into action, not you. To ensure […]
How Tax Reform Changes IRA Conversions
Many estate plans fail, and often not because of any flaws in the documents or the plans. Estate plan failures frequently occur in the implementation and execution. Especially important are actions taken by others, often your children. They’re likely to be the ones putting key parts of the plan into action, not you. To ensure […]
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Teachers’ Retirement Plans
This article discusses a topic that needs more attention. It talks about the retirement plans offered to most teachers around the country. The plans often aren’t very good. There are a few companies that have established themselves in the industry and offer poor quality annuities with high costs. Along the way, he had set aside […]
Overcoming a Major Threat to Your IRA: Your Heirs
To increase the odds your IRA will last for a long time, be sure your beneficiaries know what they need to do. Many people have substantial balances in traditional IRAs. Often, a prime goal is for the IRA to help provide for the next generation or two. One way to do so is with a […]
The War on Stretch IRAs and Other Strategies Continues
Leading up to the Tax Cuts and Jobs Act, there were a number of proposals to eliminate strategies and benefits involving IRAs and other retirement accounts. Changes proposed included eliminating the Stretch IRA, reducing the maximum contributions to IRAs and 401(k)s, ending inflation indexing of the contribution limits and eliminating catch-up contributions for high-income individuals. […]
Good News: IRS Says 2017 IRA Conversions Can Be Reversed
The IRS recently announced that the prohibition on recharacterizations of IRA conversions doesn’t apply to conversions made in 2017. Since the first days of Roth IRAs, taxpayers have been able to convert traditional IRAs into Roth IRAs by including the converted amount in gross income and paying the taxes. Taxpayers also have been able to […]
