Individual Retirement Accounts - IRAs
Strategies for maximizing your Individual Retirement Account (IRA’s) Investments, Tax Savings and Timing of Required Minimum Distributions
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What Every Spouse Needs to Know About Inheriting an IRA
Many mistakes are made with inherited individual retirement accounts (IRAs). The rules aren’t straightforward or intuitive, so people often make the wrong decisions, resulting in thousands of dollars of taxes unnecessarily paid to the Internal Revenue Service (IRS). Your loved ones need to know what to do when they inherit an IRA. Knowing the rules […]
Why You Should Make Charitable Contributions from Your IRA
Congress finally delivered good news to individual retirement account (IRA) owners late in 2015. The Protecting Americans from Tax Hikes Act of 2015 (PATH) made permanent the qualified charitable distribution (QCD) from IRAs for taxpayers ages 70½ and older. The QCD, one of the best ways to make charitable gifts, has been in and out […]
2016: A Good Year to Convert IRAs?
This could be the best year in a while to maximize the benefits of converting a traditional IRA to a Roth IRA. Even if it didn’t seem to make sense in the past, it might in 2016. You know the benefits of a Roth IRA. There are no income taxes on the IRA’s earnings or […]
The Bankrupt U.S. Government Pension System
There have been many reports of the perilous financial state of state and local pension funds and of Social Security. Overlooked in all the analyses is the terrible condition of the retirement system the U.S. governments offers for its own employees. The system was reformed somewhat in the 1980s to a hybrid system. Long-time employees […]
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Avoiding Expensive IRA Mistakes
IRA rules and strategies can be more complicated once the early contribution and accumulation years are behind us. There are various tricks and traps in the IRA rules, and there are strategies for maximizing IRA values that aren’t intuitive. […]
Investing Your IRA in Gold, Real Estate, and More
IRA Investment Guide: A Road Map for Avoiding the Traps and Penalties for IRA Investments Which assets are allowed, and which aren’t You’re supposed to diversify your investment portfolio. You want to protect it from bear markets, inflation, deflation, and more. What many IRA investors don’t know is Congress and the IRS built obstacles on […]
Don’t Let a Loved One Inherit an IRA Without a Copy of This Report
Bob Carlson’s Guide to Inheriting IRAs: Avoiding the Traps and Maximizing the Wealth from Inheriting an IRA Some of the costliest mistakes with IRAs are made after the accounts pass to the second generation of owners. Heirs often routinely lose a large percentage of their inherited IRAs to unnecessary taxes. It’s not really their fault. […]
Life Expectancy Tables For Required Minimum Distributions
Life Expectancy Tables For Required Minimum Distributions Distributions from traditional IRAs and other qualified retirement plans are required after age 70 1/2 for account owners and after inheritance by beneficiaries. Beneficiaries of Roth IRAs also are required to take RMDs. RMDs are calculated by using life expectancy tables provided by the IRS. You can use […]
