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 72 Articles.
Get access to 182 articles by subscribing to Retirement Watch and Retirement Watch Spotlight Series.


How to Avoid Tricks and Traps in Required Minimum Distributions

April 1, 2008

Required minimum distributions from IRAs and other qualified retirement plans are a source of frequent mistakes. This is an area in which you want to avoid mistakes, because the penalty is steep. The IRS changed the rules for RMDs in 2001 and 2002. There still are a lot of publications and web sites with the […]


Reasons to Consider an In-Service Distribution

April 1, 2008

Few people know that it is possible to take your money out of a 401(k) or other employer-sponsored retirement plan and continue working for the employer. The move clearly is allowed in the tax law, and many employer plans allow it. Some employees should consider taking this step. The action is known by pension experts […]


Asset Protection for IRAs

April 1, 2008

IRAs are among the most valuable assets many Americans own, and protecting those assets from creditors and lawsuits can be a concern. This can be a tricky proposition, because IRAs are in a netherworld of asset protection. Protection for IRAs in federal bankruptcy court was improved by the Bankruptcy Abuse Prevention and Consumer Protection Act […]

The Roth IRA Opportunity

March 1, 2008

Roth IRAs are one of the best tax-advantaged investment vehicles. Right now they are available to only taxpayers with incomes below certain levels. In a couple of years, all investors will be able to take advantage of this opportunity by converting traditional IRAs into Roth IRAs. Those whose incomes make them ineligible for Roth IRAs […]


What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here today for free access.


Last Chance for IRA Charitable Contributions

December 1, 2007

We are approaching a last chance for some taxpayers to use IRAs to make tax-advantaged gifts to charity. The tax break is set to expire after Dec. 31, 2007. The Pension Protection Act of 2006 allowed IRA owners who are at least age 70½ to make gifts directly from the IRA to a charity. The […]

Little-Known IRA Tax Saver

November 1, 2007

Many workers own shares of employer stock through 401(k) or other retirement plans. Few of these workers, or even their financial advisers, know the tax break that is available to substantially reduce the tax burden from selling those shares. With a little planning and by following a few steps, workers can substantially reduce the tax […]


How to Make Retirement Accounts Last

August 1, 2007

Retirees have a tough time finding advice on the best ways to spend the money in retirement accounts. In this month’s visit we will consider the best order to withdraw retirement money. Most people have more than one type of retirement account. There usually is at least one tax-deferred account, such as an IRA, plus […]


How to Invest IRA Accounts

July 1, 2007

IRAs seemed so simple when they were started. Make the maximum contribution; invest the money until retirement; and then take money over time to pay for retirement. Managing IRAs, however, requires more thought if one wants to maximize after-tax retirement income. One issue that is not considered enough is which investments are best held in […]

Log In

Forgot Password