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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Knowing When a Rollover Is for You
An important decision needs to be made when you leave an employer. It doesn’t matter if your leaving is due to retirement, taking a new job, or a layoff. You have to decide what to do with any retirement accounts at the employer you’re departing. The right answer varies from person to person. In this […]
The Right Way to Take a Lump Sum
Once you decide to roll over an employer plan to an IRA or new employer plan, you work isn’t finished. There are different ways to do the rollover, and you need to be sure it’s done right. One way to roll over an account is to have the plan make out a check to you. […]
Getting Your IRA Beneficiary Right
Be sure to review the beneficiary designations of your accounts and keep them updated. If you do nothing else about estate planning, do that. Your IRAs and other accounts go to the beneficiary named in the account forms and the plan documents. Your will, living trust, and other documents don’t cover these accounts. These often […]
Using Trusts to Secure Stretch IRAs
Trusts are a key part of many estate plans. You can run into trouble, however, when you try to couple a trust and an IRA. You can use a trust to make your IRA last longer and control your heirs’ access to it, but you need an experienced estate planner to navigate the minefield of […]
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Investing IRAs and Other Accounts
Investors leave a lot of nickels and dimes on the table, and over time those pennies can total up to quite a few dollars. One way to avoid those leaks from your nest egg is to optimize the benefits of tax-advantaged accounts. An investor might have taxable accounts, traditional IRAs and retirement accounts (such as […]
New Pension Options for Small Business Owners
Folks age 50 and over, especially small business owners, generally are playing catch-up with their retirement savings. Many self-employed and small business owners don’t know all the retirement plan options available to them to enhance their savings. That’s understandable. There are many pension plan options available, and several were created quietly by Congress over the […]
Using an IRA to Build a Business
In this tough job market, more people are opting to start businesses instead of seeking employment. To help fund those businesses, they often look to their qualified retirement accounts (401(k)s and IRAs). It can be a great financing strategy, but it’s also one fraught with potential tax traps and that the IRS is closely examining. […]
Monitoring Converted IRAs
In 2010 a record number of traditional IRAs were converted into Roth IRAs. Financial services firms report a stampede of IRA owners rushed to convert in December. Now, it’s time for the next stage. Those of you who converted shouldn’t completely move on to other matters. You should monitor converted IRAs and re-evaluate whether you […]
