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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 390 Articles.
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Should Annuities Be in IRAs?

April 1, 2015

It is past time to consign to the dustbin of financial history another long-time financial rule of thumb. I hear it regularly when making presentations. People say, “I thought it never was a good idea to buy an annuity in an IRA.” That used to be reasonable advice but no longer is in many cases. […]

Navigating the RMD Minefield

March 1, 2015

IRAs seem simple at first. You make contributions and manage the investments. Over time, however, IRAs become more complicated and even inconvenient. IRAs become especially troublesome for people as they begin to take distributions and especially after they reach age 70½ and beyond, because of the required minimum distributions. The RMD rules are not what […]

RMDs: Burdens to Benefits

March 1, 2015

People in their late 70s and beyond often find that the RMDs increase over time and create higher income tax burdens for them. Fortunately, there are strategies for those who don’t want that steady increase of distributions during their lifetimes. l Take money out of the IRA before you are required to, and the earlier […]

Knowing When to Convert an IRA

February 1, 2015

Too many people are told that because they are seasoned IRA owners, they’re too old to convert a traditional IRA to a Roth IRA. Converting a tradition-al IRA to a Roth IRA can be a good idea at any age, if the circumstances are right. Unfortunately, I still hear from too many people who were […]


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.

Tips to Maximize Benefits of an IRA Conversion

February 1, 2015

There are some strategies that will increase the benefits of an IRA conversion or help you turn a conversion mistake into a benefit. Convert in stages. It can be expensive to convert all of a large IRA in one year. You might not have enough cash to pay the taxes, or the conversion could push […]

Details on the "Backdoor Roth IRA"

January 19, 2015

From time to time I write in Retirement Watch about the Backdoor Roth IRA conversion and how it can allow a person who normally isn’t eligible to open a Roth IRA to obtain one at low or no tax cost. Here’s an article laying out all the details. Before we delve into the workaround, let’s […]

Winning IRA Strategies for 2015

January 1, 2015

Too many people leave money on the table when managing their IRAs. There are a lot of decisions to make, and the wrong choices can result in higher taxes or even penalties. That’s a shame, since IRAs are among the most valuable assets most people own. Resolve this year to review the IRA strategies discussed […]

Roth Accounts: Not Only for the Young

December 1, 2014

Roth IRAs aren’t very old, but they al-ready spawned some rules of thumb. The most common rule of thumb for Roth IRA is that they’re for relatively younger people. Unfortunately, this rule of thumb is the result of some good research that is distorted and misapplied. It’s causing many people to not use Roth IRAs […]


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