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Individual Retirement Accounts - IRAs

Strategies for maximizing your Individual Retirement Account (IRA’s) Investments, Tax Savings and Timing of Required Minimum Distributions

Found 357 Articles.
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IRAs

9 Required Minimum Distribution (RMD) Strategies Every Retiree Should Know

December 27, 2018

Every retiree wants to trim taxes, and maximize benefits. But very few know how to approach this the right way. Today, I’ll share how you can maximize your benefits from Required Minimum Distributions (RMDs), and reduce your tax bill. Required minimum distributions from IRAs weren’t simplified or changed in the new tax law. Taxpayers ages […]

How To Avoid The Traps In Self-Directed IRAs

December 17, 2018

Your IRA investment universe is greatly expanded when you set up a true self-directed IRA, as we discussed last month. But to reap the benefits, you need to avoid some key pitfalls and traps in the tax law. Also known as the Checkbook IRA, LLC IRA, Super IRA and other names, the true self-directed IRA […]

How To Capture All The IRA Investment Benefits The Tax Law Allows

November 19, 2018

Stocks and bonds are down, so investors are looking for investment alternatives. Your IRA can invest in a lot more than stocks, bonds and mutual funds. IRAs can own real estate, private businesses, hedge funds, mortgages, tax liens and more. But only a certain type of IRA can own those other assets. Most IRA custodians […]

When Converting to a Roth IRA Doesn’t Pay off

October 19, 2018

Near the end of the year is when many people consider converting traditional IRAs to Roth IRAs. Often in “Retirement Watch” and in my books, I explain when it is a good idea to convert your IRA. Since the advent of Roth IRAs, I’ve been at the forefront of determining when it makes sense to […]

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7 IRA Strategies to Consider for Year’s-End 2018

October 15, 2018

It is time for IRA owners to be proactive by planning and implementing their strategies for the rest of the year. There are many steps that can in-crease the after-tax wealth of your IRA.These actions can reduce income taxes,avoid penalties, increase after-tax investment returns and more. But you don’t want to be like most people […]

The Charitable Remainder Trust: How to Protect & Stretch Your IRA

September 19, 2018

The number of people naming charitable trusts as IRA beneficiaries is climbing, and for good reasons. Typically, IRA beneficiaries are individuals, often the surviving spouse or the adult children of the owner. The goal often is to create a Stretch IRA, with the beneficiary taking only required minimum distributions (RMDs) each year so the tax-deferred […]

Government Pensions And Muni Bonds

August 28, 2018

There have been a lot of reports the last few years detailing the level of underfunding in state and local government pension funds. Most of these focus on how much money taxpayers will need to come up with in the future to make up the shortfalls. But lately there’s been another focus. Some argue that […]

The Most-Asked Roth IRA Question

August 27, 2018

This month we’re going to look at what lately has been the question I’m asked the most distribution from a Roth IRA isn’t tax free until at least five years have passed. Longtime readers know I believe rules of thumb and shortcuts are dangerous, and this is a good example. The summary stimulates a lot of […]

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