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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 359 Articles.
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IRAs

Beware: Scams Targeting Self-Directed IRAs

November 7, 2021

Interest in true self-directed IRAs is increasing, and that naturally is increasing the number of scams targeting self-directed IRAs. The scams target primarily retirees and older Americans. A true self-directed IRA is one that essentially can invest in any asset allowed under the tax code. The tax code prohibits an IRA from owning only life […]

Don’t Let Your Heir’s Creditors End Up with Your Retirement Funds

October 21, 2021

As part of your estate plan, you need to consider whether it’s possible your IRA or 401(k) could end up in the hands of creditors of one of your heirs. A general rule is that qualified retirement plans are exempt from bankruptcy claims. But that general rule applies only to the original owner of the […]

Beware of the Scams Using Self-Directed IRAs

October 21, 2021

Interest in true self-directed IRAs is increasing, and that naturally is increasing the number of scams based on self-directed IRAs. The scams target primarily retirees and older Americans. A true self-directed IRA is one that essentially can invest in any asset allowed under the tax code. The tax code prohibits an IRA from owning only […]

Be Sure Your Rollover is Done Right

September 29, 2021

Though the rollover is the most frequent IRA transaction, most people do only a few rollovers during their lifetimes. A consequence of this inexperience is that too many mistakes are made and people pay unnecessary taxes and penalties on their retirement nest eggs. There are more than 30 types of rollovers, though taxpayers often know […]

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Should You Roll Over Retirement Funds or Stay Put?

September 29, 2021

More money than ever is moving from 401(k)s to IRAs, and regulators don’t like some of the choices people make with their money. More than $600 billion was rolled over from 401(k)s to IRAs in 2020, according to the Secure Retirement Institute (SRI), which estimates that within five years the annual rollover amount will exceed […]

The Little-Known Way to Quickly Build a Large Roth IRA

August 31, 2021

A little-known strategy can help many people quickly generate large Roth IRAs. Some call it the Back Door Roth IRA and others call it the Mega Roth IRA, though both those nicknames also are used for other strategies. Some even call it the Mega Back Door Roth IRA. Whatever name you want to give it, […]

How a Trust or Estate Can Transfer an IRA to a Beneficiary Tax-Free

July 20, 2021

It is time to answer this question in the newsletter, because I have been receiving emails regularly asking about it. I advise my readers not to name a trust or their estate as beneficiary of an IRA, except for certain types of specially designed trusts. They also shouldn’t fail to name a beneficiary, because that […]

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