Strategies for maximizing your Individual Retirement Account (IRA’s) Investments, Tax Savings and Timing of Required Minimum Distributions
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Most people with significant assets in IRAs and 401(k)s let Congress and the IRS determine their spending and distribution strate- gies. That’s a big mistake that can cost them and their families quite a bit of money. Most people don’t begin taking money out of their qualified retirement accounts until the required minimum distribution (RMD) […]
IRAs and 401(k)s are among the most valuable assets of many households. Along with Social Security, they are the bedrock for financing retirement in many households and leaving a legacy for your loved ones. That’s why it’s important for both you and your heirs that the after-tax value of the accounts be maximized. Yet, few […]
Congress expanded a tax trap for many owners of traditional IRA and 401(k) accounts when the SECURE Act 2.0 was enacted in December 2022. The law delayed the starting age for required minimum distributions (RMDs) to age 73, effective January 1, 2023. The starting age will jump to 75 effective January 1, 2033. If you […]
Congress expanded a tax trap for many owners of traditional IRA and 401(k) accounts when the SECURE Act 2.0 was enacted in December 2022. The law delayed the starting age for required minimum distributions (RMDs) to age 73, effective January 1, 2023. The starting age will jump to 75 effective January 1, 2033. If you […]
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Years ago, a pension plan acquired an interest in a spaghetti factory. A consequence of that episode is that your IRA might owe income taxes on some of its investment income. Other spaghetti manufacturers said it wasn’t fair they had to compete with a business owner who was tax-exempt. Eventually, Congress agreed and enacted the […]
Click the PDF below to read this Special Report. […]
Significant changes in retirement planning were made in the last days of 2022 with the enactment of the 4,155-page Consolidated Appropriations Act (CCA). Most of the CCA appropriates an estimated $1.7 trillion to various government departments. But Division T of the CCA is the SECURE Act 2.0, a 358-page compilation of more than 100 provisions […]
A little more than a year ago, there was an aggressive effort in Congress to eliminate “back door” Roth IRA strategies. The effort failed. The back door Roth IRA strategies remain available to create a future stream of tax-free gains and income. A back door Roth IRA strategy is necessary in two situations, and there […]
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