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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 388 Articles.
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The Bankrupt U.S. Government Pension System

April 7, 2016

There have been many reports of the perilous financial state of state and local pension funds and of Social Security. Overlooked in all the analyses is the terrible condition of the retirement system the U.S. governments offers for its own employees. The system was reformed somewhat in the 1980s to a hybrid system. Long-time employees […]

avoiding-expensive-ira-mistakes

Avoiding Expensive IRA Mistakes

April 3, 2016

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 intuitive. […]

Don’t Let a Loved One Inherit an IRA Without a Copy of This Report

April 3, 2016

Bob Carlson’s Guide to Inheriting IRAs: Avoiding the Traps and Maximizing the Wealth from Inheriting an IRA Some of the costliest mistakes with IRAs are made after the accounts pass to the second generation of owners. Heirs often routinely lose a large percentage of their inherited IRAs to unnecessary taxes. It’s not really their fault. […]

Investing Your IRA in Gold, Real Estate, and More

April 3, 2016

IRA Investment Guide: A Road Map for Avoiding the Traps and Penalties for IRA Investments Which assets are allowed, and which aren’t You’re supposed to diversify your investment portfolio. You want to protect it from bear markets, inflation, deflation, and more. What many IRA investors don’t know is Congress and the IRS built obstacles on […]

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Life Expectancy Tables For Required Minimum Distributions

April 3, 2016

Life Expectancy Tables For Required Minimum Distributions Distributions from traditional IRAs and other qualified retirement plans are required after age 70 1/2 for account owners and after inheritance by beneficiaries. Beneficiaries of Roth IRAs also are required to take RMDs. RMDs are calculated by using life expectancy tables provided by the IRS. You can use […]

Knowing When IRA Losses are Deductible

March 1, 2016

There are predictable responses to market declines. One response is more people asking, “When can I deduct losses in my IRA?” The disappointing answer is, “Not very often.” The disappointment is understandable. Investment losses have been incurred, so most people think they should be deductible. But generally losses incurred in an IRA aren’t deductible on […]

Building Wealth for Grandkids with Roth IRA Investments

March 1, 2016

There are many tools and strategies available to provide financial help for the grandkids, especially education expenses. Perhaps the best available for many people is the Roth IRA. There are several ways to include a Roth IRA in your plan to help the grandkids, and the Roth IRA can help in a wide range of […]

Making Stretch IRAs Easier, While You Can

February 1, 2016

The Stretch IRA is the Holy Grail for many IRA owners. They want their IRAs to last a long time. They want the magic of time and tax deferral to boost the IRA balance. These IRA owners have adequate income and resources, so they don’t plan to spend down their IRAs. They expect the IRAs […]

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