Strategies for maximizing your Individual Retirement Account (IRA’s) Investments, Tax Savings and Timing of Required Minimum Distributions
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Some provisions of the CARES Act allow people to take cash out of retirement plans and accounts during the crisis with fewer restrictions and penalties than usual. Keep in mind that a retirement plan might not make the new flexibility available to its participants. The employer sponsoring the plan decides whether or not to adopt […]
By far the questions I’ve been asked the most recently concern a major change that was made in required minimum distributions (RMDs) from retirement accounts. The Coronavirus Aid, Relief, and Economic Stimulus (CARES) Act rolled through Congress in about a week and was signed by President Trump on March 27. The major focus of the […]
The Stretch IRA is history, and you need to revise your estate plan to ensure your heirs receive maximum after-tax value from inherited retirement accounts. You know the basics, because I’ve been covering them since the Setting Every Community Up for Retirement Enhancement (SECURE) Act started rolling through Congress in May 2019. You can read […]
The SECURE Act continues to raise questions. This month, we dive into those I’ve been receiving from readers and try to reduce the confusion about the Setting Every Community Up for Retirement Enhancement (SECURE) Act. We start with the interplay between the SECURE Act and qualified charitable distributions (QCDs). Here’s a refresher on QCDs. A […]
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There’s a tax bill attached to each traditional individual Retirement arrangement (IRA) and 401(k), and Congress recently tried to accelerate and increase that tax bill. That’s why, following enactment of the Setting Every Community Up for Retirement Enhancement (SECURE) Act, many IRA and 401(k) owners need to revamp their estate planning strategies. As I’ve reported, […]
Congress and the IRS have been busy recently making a lot of changes in IRAs and the other key elements of your retirement plan. In this edition of the retirement watch Spotlight Series, I bring all of these changes together and explain them. I can tell from the questions I receive from readers and at […]
The SECURE Act rolled through Congress in late December and was signed into law on Dec. 20. It is time to adjust your retirement and estate plans to both the good and bad sections of the law. The Setting Every Community Up for Retirement Enhancement (SECURE) Act makes major changes in retirement plans, especially 401(k)s […]
There hasn’t been much activity in Congress, so the Stretch IRA has survived a little longer. The Stretch IRA is on the verge of being eliminated by the Setting Every Community Up for Retirement Enhancement (SECURE) Act. The bill rolled through the House of Representatives by a 417 to 3 vote in May. Since then, […]