Individual Retirement Accounts - IRAs
Strategies for maximizing your Individual Retirement Account (IRA’s) Investments, Tax Savings and Timing of Required Minimum Distributions
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2 Ways To Avoid the ‘Double Tax’ on Your Retirement Benefits
As you know, IRAs and other retirement plans are included in the estate of the owner… And subject to federal estate taxes — when the estate is valuable enough. Here’s what many people don’t know: Unlike other assets, the tax basis of IRAs is not increased to current fair market value by those who inherit […]
Avoid These Frequent Rollover Mistakes
The rollover is the most frequent IRA transaction. Yet, it is fraught with traps and is the source of many expensive mistakes. You want to avoid the two nasty consequences of rollovers that don’t comply with the fine points of the tax law. An improper rollover usually is included in gross income and taxed as […]
7 Critical Year-End Actions to Take with IRAs and 401(k)s
This is not the year to procrastinate about year-end retirement account and tax planning. In the last weeks of every year, I receive a stream of emails from readers asking about transactions they are considering by the end of the year. In most cases, even if they can analyze the situations and decide on the […]
7 Things You Must Know About IRAs and 401(k)s
Almost everyone has an IRA and a 401(k) account. Many people have more than one of each. Yet, important facts about these accounts aren’t well-known. You need to know this information to maximize the after-tax value of the accounts. I find that even many accountants, attorneys and financial planners don’t know these details. Knowing them […]
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August 2019 Newsletter
Find out about our latest recommendations, and all of the most recent market-moving news, in the newest issue of Retirement Watch that has just been completed. I invite you to download the issue as soon as you have a chance. As a valued subscriber, we want you to have this information as quickly as possible. […]
Congress Plans to Kill the Stretch IRA, But You Can Do An End-Around
We’re nearing a critical time for many Individual Retirement Account (IRA) owners. Advance IRA planning will be imperative if you want to maximize the after-tax value of your IRA for heirs and avoid the new tax burden Congress has in mind. As I explained last month, despite the deadlock and division in Washington, the Setting […]
How Conflicted Is Your IRA Advisor?
Government regulators believe that many financial advisors give bad advice about IRAs because the advisors have inherent conflicts. The main concern of regulators was what happens to an individual’s 401(k) account after leaving a job. The regulators concluded that too many advisors recommended that the 401(k) account be rolled over to an IRA, but that […]
The War on Stretch IRAs Is Back
There long has been a group in Congress determined to end the Stretch IRA, and this year they seem intent to have their way. I’ve reported in the past few years that many in Washington were targeting the Stretch IRA. The Obama administration called for an end to this valuable estate planning tool in its […]
