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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 390 Articles.
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Congress Plans to Kill the Stretch IRA, But You Can Do An End-Around

June 27, 2019

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?

May 22, 2019

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

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 […]


What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here today for free access.

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 […]

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 […]


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