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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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Preserving Your IRA to Last for Heirs

May 1, 2014

IRAs and other qualified retirement plans are high on the list of today’s greatest planning concerns. They are among the most valuable assets in many households, and people often are worried about what will happen to their IRAs and 401(k)s. They want the IRAs to last their lifetimes and beyond. The IRAs are supposed to […]

Estate Planning with Roth IRAs

April 1, 2014

An IRA, especially a Roth IRA, is valuable for more than your retirement planning. Your estate plan can be much better when a Roth IRA is shrewdly used. Instead of looking at the front-end tax benefits and costs, take the long-term view. While converting a traditional IRA to a Roth can save estate taxes, Roth […]

Expanding the Roth IRA Opportunity

March 1, 2014

Roth IRAs remain one of the most neglected tax and financial planning opportunities. Even many of those who convert their traditional IRAs to Roths don’t take advantage of all the strategies available to maximize tax-free wealth. It’s understandable that people are slow to convert their traditional IRAs to Roths. There are many factors to evaluate […]

Understanding the Five-Year Waiting Period for Converted IRAs

March 1, 2014

The five-year waiting period for Roth IRAs causes some confusion, because the rules are confusing.  For a distribution from a Roth IRA to be tax-free, it must be made after the later of the owner’s turning age 59½ and when the owner has had the Roth IRA for at least five years. For distributions from […]

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Managing RMDs for Maximum Wealth

February 1, 2014

People are most prone to make expensive mistakes and miss opportunities with the IRAs when it is time to take distributions. Required mini-mum distributions (RMDs) for those over age 70½ are a key source of lost wealth, and that is only going to get worse. The IRS in recent years concluded that RMD mistakes are […]

Enhancing Your 401(k)

January 13, 2014

Most people don’t make the most of their 401(k) plans. They rely too much on the advice of the plan custodian or the default rules set by the plan. They also don’t fully understand the investments and other options offered by the plan. Improve your 401(k) account to start the year. Read this piece with […]

Winning IRA Strategies for 2014

January 1, 2014

IRAs are among the most valuable assets most of us own, especially after we leave an employer and roll over the 401(k) account to an IRA. For people who spent most of their careers as employees, the principal home and the IRA vie for the most valuable asset. Even small business and rental real estate […]

Expanding Your IRA Investment Universe

December 1, 2013

The investment universe is expanding for many IRA owners. Some uses of the accounts that are becoming more frequent are investing in a small business, either your own or that of a friend or relative, becoming a mortgage lender, buying real estate, and investing in gold, among many other investment options. Your IRA doesn’t have […]

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