Strategies for maximizing your Individual Retirement Account (IRA’s) Investments, Tax Savings and Timing of Required Minimum Distributions
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Taxes will increase, especially for investors, in 2013 and beyond. The only question is how high they will increase. The 3.8% tax on investment income that was enacted as part of health care reform will go into effect, as described on page five of this visit. The Bush tax cuts, payroll tax reduction, and other […]
California has the country’s largest pension fund, the California Public Employee Retirement System (CALPERS). It’s had mediocre to poor returns for years and delivered again recently, reporting about a 1% total return for its fiscal year ending June 30. This is well below the fund’s target rate of return, which means its unfunded liability increases […]
The amount of money in IRAs is climbing. Most of us have at least one IRA, and eventually many people roll over their main retirement as-sets, 401(k) accounts, to IRAs. Unfortunately, a lot of the value in IRAs isn’t being maximized. People don’t focus on the key strategies that can make an IRA more valuable […]
A few state and local governments have pension liabilities that are manageable and can be paid down if we enter a period of decent economic growth and normal investment returns. But a number of them have large debt burdens in their pensions. How big is that burden? JPMorgan Chase prepared a confidential report earlier this […]
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Taxes take their toll on IRAs. There are strong incentives to pack money into IRAs and other qualified retirement plans during the accumulation years. Yet, there’s a downside. In the distribution years the taxes can be high. Think of the taxes as the mortgage on your IRA. The government lent you money during the accumulation […]
Many people make serious mistakes when naming beneficiaries for IRAs and similar accounts. Talk to almost any financial planner or estate planner and you’ll hear wild stories. People often have no beneficiaries named. Or a divorced or deceased spouse is the primary beneficiary. Some of the mistakes are so bad they end up in court. […]
New laws and regulations make it easier to convert your 401(k) into guaranteed lifetime income. Longevity annuities don’t start paying income until you’re 80 or 85. Previous rules didn’t allow them in retirement plans, because you had to begin taking distributions after age 70½. The Treasury Department recently issued new rules that say the RMD […]
Many people focus on the retirement and income tax aspects of Roth IRAs. Not enough people consider the Estate Planning benefits they could reap by converting a traditional IRA (or a 401(k) plan) into a Roth IRA. Your loved ones could receive more after-tax wealth from the Roth IRA, whether or not your estate is […]
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