Retirement Articles
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Do 401(k)s Have Required Minimum Distributions?
The required minimum distribution (RMD) rules limit the extent to which an individual can use the tax deferral of a qualified retirement plan. The RMD rules dictate when distributions must be made from the retirement plans of certain taxpayers. The RMD rules apply to all qualified retirement plans, including traditional IRAs and 401(k)s. But the […]
Another SECURE Act Surprise for Inherited IRAs
The IRS recently issued an interpretation of the SECURE Act that surprised most, if not all, professionals who have reviewed the law. The Setting Every Community Up for Retirement Enhancement (SECURE) Act, enacted in December 2019, contained a number of provisions related to retirement and estate planning. One of those provisions eliminated the Stretch IRA […]
Signs That Inflation is Set to Rise
Inflation is likely to rise quickly in the next few months, and that could put the Federal Reserve in a difficult situation much earlier than it anticipated. A number of inflation pressures are increasing. One example is rising demand for many goods and services as more vaccines are administered and economic activity increases. That puts […]
How Safe Is Your Money?
Credit Suisse recently report-ed a $4.7 billion loss from its dealings with one client, Archegos Capital Management. As a consequence, the bank slashed its dividend, reduced its share buybacks and announced key employees were leaving the firm. The Swiss bank was one of several global financial firms that suffered loss-es from its dealings with Archegos […]
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Maximizing the Power of Donor-Advised Funds
Thanks to the Tax Cuts and Jobs Act enacted in 2017, use of donor-advised funds (DAFs) is soaring. They remain one of the best ways for many people to maximize the tax benefits of charitable giving. Contributions to DAFs increased by 80% from 2015 to 2019, according to the National Philanthropic Trust (NPT). Grantmaking from […]
Eight Strategies for Optimizing RMDs from IRAs
Required minimum distributions (RMDs) from traditional IRAs and other qualified retirement plans aren’t suspended in 2021. You need to take the RMDs, and you might as well consider some options and strategies that will maximize after-tax income and make the process easier for you.RMDs are a simple concept that became complicated after Congress and the […]
2021: The Year to Ensure Your Estate Plan Has Maximum Flexibility
Estates that are valued at $3 million and higher should have flexibility in their plans this year. The estate and gift tax law is likely to change soon, as described in the previous article. You should act now to avoid the worst effects of the new law. But your plan needs some flexibility because we […]
Congress is Coming After Your Legacy and Estate Plan: What You Should Know and Do Now
The push for higher taxes has begun, and estate taxes are among the first in line. Millions of people who haven’t had to worry about estate and gift taxes in recent years need to rethink their plans. Congress first went after your legacy and estate plan in 2019 in the Setting Every Community Up for […]
