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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IRA Mistakes to Avoid in 2016
The new year is almost here. Let’s en-sure it is off to a good start. Your IRAs probably are your most valuable assets or will be after you rollover a 401(k) to one. We review the most frequent and expensive mistakes people make with IRAs. Study them now and resolve not to do them in […]
How IRAs Benefit You, Loved Ones, & Charity
There are many ways an IRA can benefit you, your loved ones, and charity. In fact, charitable strategies might leave every-one better off than traditional IRA strategies. These strategies are appropriate for traditional IRAs, not the tax-free Roth IRAs. I’m also not talking about the $100,000 IRA charitable contribution law that has moved in and […]
Securing Income and Reducing RMDs
You should be familiar with QLACs. They are a growing force in retirement in-come planning. In 2014 the IRS approved them as a way to secure a stream of lifetime income and to reduce required mini-mum distributions (RMDs) and the income taxes they generate. Even if you never buy one, you should understand them and […]
Using a 401(k) to Boost Roth IRA Assets
The Roth IRA appeals to many people because of its long-term advantages. Sure, there are no tax breaks when you make contributions. You must contribute after-tax dollars. After that, though, the tax breaks multiply. Income and gains compound tax free within the IRA. You can take tax-free distributions of income and gains at any time […]
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Avoiding Expensive IRA Mistakes
Too many people leave too much money on the table when managing their IRAs. It’s not surprising. IRA rules and strategies can be more complicated once the early contribution and accumulation years are behind us. There are various tricks and traps in the IRA rules, and there are strategies for maximizing IRA values that aren’t […]
Owning Nontraditional IRA Investments
More and more IRA owners are considering investments other than traditional stocks, bonds, and mutual funds. It’s not surprising. The Federal Reserve’s zero interest rate policy boosted returns of stocks and bonds the last few years but probably pulled forward a lot of future returns into those years. For the next five or 10 years, […]
Spotting Overlooked IRA Opportunities
IRAs hold the bulk of most people’s retirement nest eggs. They are vital to successful retirement. Yet, many people leave a lot of IRA money on the table. They don’t realize the many strategies available to increase the after-tax value of IRAs. IRAs are deceptive. They seem simple at first, no more complicated than opening […]
More Legal Rights for 401(k) Members
Trial attorneys have been suing 401(k) plans in recent years for not giving participants good deals. The Supreme Court handed another defeat to the 401(k) plans, finding that the statute of limitations is renewed each time the plan’s board reviews investment choices. And a plan can be sued for a high-cost or high-risk investment option […]
