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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Risks of the 401k to IRA Rollover
When people retire with a 401(k) balance or a pension plan, there’s an army of financial salespeople trying to get them to rollover that money to an IRA managed by the financial salespeople or their associates. That can be a good deal, but apparently for many people it isn’t. They aren’t financial sophisticated and get […]
Naming Trusts as IRA Beneficiaries
Trusts find their way into more and more estate plans, because they provide valuable benefits. Many people want to use trusts with their IRAs. I receive an increasing number of inquiries from readers asking how they can name a trust as beneficiary of their IRAs instead of individual heirs. That’s where they can get into […]
IRS Ignores Its Own Rollover Rules, Wins Court Case
You know that there are two ways to do a tax-free IRA rollover. One way is trustee-to-trustee, in which you never touch the money; one IRA custodian transfers money to another. The other way is the 60-day rollover. You receive money from the IRA and within 60 days deposit that same amount either in the […]
Preserving Your IRA to Last for Heirs
IRAs and other qualified retirement plans are high on the list of today’s greatest planning concerns. They are among the most valuable assets in many households, and people often are worried about what will happen to their IRAs and 401(k)s. They want the IRAs to last their lifetimes and beyond. The IRAs are supposed to […]
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Estate Planning with Roth IRAs
An IRA, especially a Roth IRA, is valuable for more than your retirement planning. Your estate plan can be much better when a Roth IRA is shrewdly used. Instead of looking at the front-end tax benefits and costs, take the long-term view. While converting a traditional IRA to a Roth can save estate taxes, Roth […]
Expanding the Roth IRA Opportunity
Roth IRAs remain one of the most neglected tax and financial planning opportunities. Even many of those who convert their traditional IRAs to Roths don’t take advantage of all the strategies available to maximize tax-free wealth. It’s understandable that people are slow to convert their traditional IRAs to Roths. There are many factors to evaluate […]
Understanding the Five-Year Waiting Period for Converted IRAs
The five-year waiting period for Roth IRAs causes some confusion, because the rules are confusing. For a distribution from a Roth IRA to be tax-free, it must be made after the later of the owner’s turning age 59½ and when the owner has had the Roth IRA for at least five years. For distributions from […]
Managing RMDs for Maximum Wealth
People are most prone to make expensive mistakes and miss opportunities with the IRAs when it is time to take distributions. Required mini-mum distributions (RMDs) for those over age 70½ are a key source of lost wealth, and that is only going to get worse. The IRS in recent years concluded that RMD mistakes are […]
