Financial Advice for Retirement, Social Security, IRAs and Estate Planning

Individual Retirement Accounts - IRAs

Strategies for maximizing your Individual Retirement Account (IRA’s) Investments, Tax Savings and Timing of Required Minimum Distributions

Found 185 Articles.
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should-you-empty-your-ira-early

Should You Empty Your IRA Early?

October 1, 2003

Every general rule has its exceptions. IRAs are no different. The general rule for IRAs is to leave investments in them as long as possible. Your wealth will increase if income and gains are allowed to compound tax deferred as long as possible. We demonstrated that in the September 2003 discussion of which retirement accounts […]

investing-your-ira-under-the-new-law

Investing Your IRA Under the New Law

August 1, 2003

Does the 2003 tax law change how your retirement account should be invested? Most investors have some of their money in tax-deferred accounts – such as IRAs and 401(k)s – and the rest in taxable accounts. When a portfolio is diversified, the investor has to decide which assets to purchase in a tax-deferred account and […]

how-to-make-the-most-of-your-tax-cuts

How To Make The Most Of Your Tax Cuts

July 1, 2003

Another major tax cut rolled through Congress by the end of May, providing significant benefits to all investors. You might need to change some of your tax and investment strategies to reap the maximum benefits of the new law. There also are a few traps to avoid. Let’s take a look at the basics of […]

estate planning

Estate Planning Strategy: Roth IRAs For Youngsters

January 1, 2003

A Roth IRA is one of the best investment and wealth building vehicles for youngsters. That’s right, for youngsters. Establishing a Roth IRA for your children or grandchildren creates a valuable, low-cost legacy for which the youngsters later will be very grateful. A few thousand dollars now could be worth hundreds of thousands of tax […]

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Loan

Year-End IRA Opportunities And Strategies

December 1, 2002

The closing of this year brings some important opportunities to IRA owners. Don’t put this issue aside until you have read this article and decided whether you need to take action by Dec. 31. Those of you who converted a regular IRA to a Roth IRA this year have a decision to make. When a […]

underwater-investments

Five Strategies for Underwater Investments

August 1, 2002

We’ve done better than most investors since the market peak in March 2000, including the most recent market decline. Even so, you still might own some underwater investments, especially in your Core Portfolio. For example, American Century Income & Growth has declined with the general market. These underwater investments can be used productively to minimize […]

make-ira-last-longer

Estate Planning Strategies to Make Your IRA Last Longer

June 1, 2002

Note: This article is an update of the article in the September 2001 Estate Watch and should be read together. Click here. You now can make your IRA last longer than ever. Thanks to final IRS regulations, account owners over age 70 1/2 are required to take less out of their IRAs or other qualified […]

making-shrewd-roth-ira-decisions

Making Shrewd Roth IRA Decisions

December 1, 2001

The Roth IRA is one of the best investment tax shelters Congress ever created. But volatile markets add some complications to Roth IRA decisionmaking. If you converted a traditional IRA into a Roth IRA earlier this year or if you are considering a conversion, you should keep an eye on the markets before and after […]

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