Strategies for maximizing your Individual Retirement Account (IRA’s) Investments, Tax Savings and Timing of Required Minimum Distributions
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Year-end is a tricky time of year for IRA owners. There are steps many IRA owners should take or at least consider taking by December 31. Make the wrong move and it could cost you money now or spread over the years. Take the time to carefully review your IRA options. IRA owners over age […]
Alternative investments are growing in popularity. These include precious metals, real estate, and small businesses. Owning these through IRAs or other qualified retirement accounts could be a good financial move, or it could lead to trouble. Make this move without the right advice and you could fall into one of the many traps in the […]
The Department of Labor issued new regulations last week that allow fiduciaries of 401(k) plans and IRAs to offer investment advice under some circumstances. The law prohibits such advice, but the DOL carved out some exceptions. Fiduciaries may offer advice, beginning Dec. 27, if their compensation doesn’t depend on the investment recommendations or they use […]
An important decision needs to be made when you leave an employer. It doesn’t matter if your leaving is due to retirement, taking a new job, or a layoff. You have to decide what to do with any retirement accounts at the employer you’re departing. The right answer varies from person to person. In this […]
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Once you decide to roll over an employer plan to an IRA or new employer plan, you work isn’t finished. There are different ways to do the rollover, and you need to be sure it’s done right. One way to roll over an account is to have the plan make out a check to you. […]
Be sure to review the beneficiary designations of your accounts and keep them updated. If you do nothing else about estate planning, do that. Your IRAs and other accounts go to the beneficiary named in the account forms and the plan documents. Your will, living trust, and other documents don’t cover these accounts. These often […]
Trusts are a key part of many estate plans. You can run into trouble, however, when you try to couple a trust and an IRA. You can use a trust to make your IRA last longer and control your heirs’ access to it, but you need an experienced estate planner to navigate the minefield of […]
Investors leave a lot of nickels and dimes on the table, and over time those pennies can total up to quite a few dollars. One way to avoid those leaks from your nest egg is to optimize the benefits of tax-advantaged accounts. An investor might have taxable accounts, traditional IRAs and retirement accounts (such as […]