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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 360 Articles.
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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 […]

7 More Ways to Create a Roth IRA

July 31, 2018

One of the questions I receive most frequently from Retirement Watch subscribers is how to make estate planning gifts. Let’s take a look at the issues that recur among many readers. Gifts to family members are one of the staples of estate planning. But the tax law has changed, and that’s altered the role of […]

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IRS Okays Backdoor Roth IRA

July 13, 2018

The Backdoor Roth IRA is a strategy available to someone who wants to contribute to a Roth IRA but whose income exceeds the contribution limit. The person can make a nondeductible contribution to a traditional IRA, and then convert that amount to a Roth IRA. There should be no income taxes on the conversion, if […]

What Every Spouse Needs to Know about Inheriting IRAs

July 2, 2018

One of the most difficult financial tasks facing a surviving spouse is how to handle the individual retirement accounts (IRAs) and other qualified retirement plans. Mistakes often are made with inherited IRAs, whether they are inherited by spouses, children or others. It is understandable. Retirement accounts are treated differently than most other assets in the […]

Ensuring Your Legacy: Estate Planning for IRAs and Other Retirement Accounts

June 29, 2018

IRAs and other qualified retirement plans, such as 401(k)s, are among the most valuable assets many people own. Often, the goal is to pass at least part of these accounts on to the next generation and let the tax-deferred compounding of any remaining funds continue until they are needed. The IRS and the tax code […]

How Is Your State Pension Fund Doing?

June 1, 2018

This article discusses a study of the financial health of a few state employee pension funds. The study sought to estimate what would happen to these funds if there was another sharp downturn in the investment markets. It found that at least two funds, Kentucky and New Jersey, are in such bad shape that they […]

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