401(k) Plans and Rollovers
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Inheriting 401(k) Plans has become Easier
Income taxes are likely to be lower for many who inherit 401(k) plan accounts and other employer retirement plan accounts, thanks to the pension reform law the President signed into law in August. The law puts non-spouses closer to an equal footing with spouses who inherit the accounts. Employers are not required to give heirs […]
Should you Stay in the 401(k) or Roll Over?
Handling the 401(k) balance at retirement once was an easy decision. In almost all cases, it made sense to have the balance rolled over into an IRA. Things are changing. New retirees might find it advantageous to stay with their 401(k) plans after retirement. There are many reasons to transfer out of the 401(k) plan […]
How to make the best of a rollover of a retirement plan?
One of the biggest obstacles to effective retirement planning is the number of complicated decisions that are made only once or twice in a lifetime. A lot of research is required to make the right decisions, and the wrong decision can cost thousands of dollars in taxes or more in reduced benefits during retirement. Yet, […]
Are IRAs, 401ks Still Good Ideas?
Many aspects of retirement planning changed over the last decade. One piece of conventional wisdom that has endured is to maximize contributions to IRAs and 401(k) plans. I’ve questioned that in the past, and it is time again to question this advice. IRAs and 401(k)s are tax shelters. Changes in the tax law alter the […]
