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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 380 Articles.
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The War on Stretch IRAs Is Back

April 24, 2019

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 […]

Roth IRAs Are Compelling Estate Planning Tools

April 24, 2019

Roth IRAs can be powerful additions to your estate plan, regardless of your age. Most people focus only on lifetime income taxes when discussing roth iras. Roth IRAs can be powerful tools that help meet your Estate Planning goals, leaving your heirs with more after-tax wealth. An IRA will be included in your estate whether […]

How to Have The Penalty For RMD Mistakes Waived

March 15, 2019

One of the stiffest penalties in the tax code is the one for not taking the correct required minimum distribution (RMD) from an IRA or other qualified retirement plan. You pay a whopping 50% of the amount that was supposed to be distributed but wasn’t. This penalty is in addition to paying income taxes on […]

How to Use Your IRA To Fund Your HSA

March 7, 2019

Health savings accounts (HSAs) are the best retirement planning tool available, but some people don’t know a legal trick to fully funding their HSAs. An HSA has three powerful tax benefits. Contributions to the account are tax deductible or excluded from gross income when an employer makes them. The account can be invested, and income […]

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Why This Could Be A Good Time To Convert Your IRA

January 23, 2019

You should regularly revisit the decision of whether or not to convert a traditional IRA to a Roth IRA, and recent events have made this an ideal time to re-evaluate the decision. A major reason people don’t convert their IRAs is the cost. The converted amount has to be included in gross income as though […]

6 Ways You Can End the Confusion, Inconvenience of RMDs

January 23, 2019

IRA required minimum distributions (RMDs) mess up the financial plans of many IRA owners and create a new set of problems for them. But you can overcome these problems. While the tax code requires IRA owners to begin minimum annual distributions after age 70½, most IRA owners don’t need the money to pay their living […]

How to Trim Taxes and Maximize Benefits from RMDs

January 2, 2019

Last week, I shared   4 ways to trim taxes, and maximize required minimum distribution (RMD) benefits. This week, let’s continue the discussion, with 5 more strategies to consider, starting with.. Timing distributions. The tax law says the IRA must distribute at least the RMD by the close of business on Dec. 31. Other than […]


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 […]


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