Retirement FAQs
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How do I list the beneficiaries of my life insurance policies if I have a trust?
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Are 401(k) loans taxed?
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What pension benefits are available to military personnel?
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What should you do when you're five years from retiring?
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What are the differences between a 401K and an IRA?
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How do I retire?
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I want to transfer my house title to my child, what are the costs and tax consequences of doing so?
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What are Government Pension Offsets, and who is subject to them?
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How do you plan for retirement if you have multiple employers? Can you combine retirement plans from multiple employers?
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My daughter would like to use some of her Roth IRA to pay for some current tuition fees and loans. Can she do this without a penalty?
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I have a 403(b) from a old employer. I would like to convert it to a 401(k). How can I do that?
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Our broker switched firms in the middle of 2011. As a result we lost track of our required minimum distribution (RMD) amounts and ended up withdrawing much more than our RMD. Is there a way to defer some of the withdrawal to 2012 to avoid the tax liabilit
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What happens during the consolidation phase of an investor's life cycle?
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How can I start an IRA for my child?
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What is the difference between qualified and non-qualified plans?
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Which investment would be most suitable for a client investing for retirement and seeking protection from purchasing power risk in the future?
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The reason why ERISA qualified plans should have an investment policy statement is to:
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How do 401(k) loans work?
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What are the exceptions to the premature withdrawal penalty rules for IRA accounts?
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Can I refuse a gift by providing a "Qualified Disclaimer," and what does this entail?
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I have a profit-sharing plan with my former employer. I am now trying to buy a home. Can I use my profit-sharing money to put a down payment on a house?
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When is it a good idea to use an irrevocable life insurance trust?
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What does a "5 by 5" power in a trust document mean?
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How does an employer benefit from a 401(k) matching plan?
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What are the requirements to be able to contribute to an HSA?
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How do I know if I qualify to open a HSA (Health Savings Account)?
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Why is accidental life insurance so inexpensive?
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Should I collect early Social Security?
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What is the "stretch IRA" concept?
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What are the pros/cons of naming a trust as the beneficiary of a retirement account?
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Does it make sense to convert a Traditional IRA to a Roth when the market’s down?
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What is the difference between early retirement and full retirement as it applies to Social Security retirement benefits?
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All of the following are allowable deductions used in determining taxable estate EXCEPT
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If my spouse passes away, will I have to sell my home to meet creditor obligations?
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When is the best time to purchase long-term care insurance?
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What documents should I have ready in case my partner or I should die?
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Which of the following accounts does ERISA cover?
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What is the "three-legged stool"?
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What is pension maximization?
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Is it wise to put an IRA account into a fixed or variable annuity?
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Which statement(s) is/are FALSE about market risk?
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What is long-term care?
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What are activities of daily living (ADL)?
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Why should I invest in the market when I can buy and sell houses or cars?
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A lot of retirement projections seem to assume an 8% rate of return. Is this realistic?
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Should a Canadian citizen who lives and works in the U.S. continue to contribute to a RRSP account?
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I overcontributed to my Roth, then lost half of this money to the market. Does the 6% penalty apply to my original contribution, or only what's left of it?
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What is cliff vesting?
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How do I use a conduit IRA?
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We are in a 401(k) at work. Can we also do a Roth each year? If we can, can it also be deducted from our taxes?
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Do I still have to pay penalties and taxes on money that I don't roll over from a DROP fund?
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Is a person an active participant in an employer-sponsored retirement plan if he or she was only active for a short time?
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What are the penalties for withdrawing from my Traditional IRA less than a year after acquisition?
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Am I entitled to any of my ex-spouse's retirement plan benefits?
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What happens when someone is given the golden boot?
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Can I roll over a profit-sharing plan to an SEP IRA account without suffering any tax penalties and liquidation of current positions held in this account?
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Can you have a 403(b) and also contribute to a 401(k)?
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Is my husband's ex-spouse entitled to receive my spouse's retirement benefits?
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Upon my death, will the beneficiaries of my IRA be compelled to take the entire amount in the IRA as ordinary income, forcing them into unusually high income tax brackets?
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What is the difference between a Traditional and a Roth IRA?
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Is it easier to save for retirement if you start earlier in life? Can I make up for what I don't save now by contributing more later on?
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I want to purchase a five-year period certain single premium immediate annuity (SPIA) with my IRA account. I'm 53. Will the 10% penalty apply?
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Can an IRA owner disclaim his widow's account but exclude one spendthrift contingent beneficiary?
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Do I need to hit my 401(k) contribution limit before I can begin making catch-up contributions?
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Can I contribute to both a 401(k) and an IRA?
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How long does an IRA beneficiary have to take an RMD after the IRA holder dies?
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I have several CDs in my IRA with different maturities. Can I roll them over to another institution with a better rate as they mature?
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Can I roll my 401(k) and/or IRA funds into a more liquid investment fund without penalty?
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Can I, without tax penalties, use the IRA I inherited from my father to buy a home that I will live in? He was 72 and had started taking small payouts on it.
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My Traditional IRA has been converted to a Roth IRA. Can I still make a qualified withdrawal as a first-time home buyer?
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Can a person who is retired continue to fund an IRA?
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I am the beneficiary of an IRA and a Keogh. Can I combine them into one plan?
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If an IRA owner dies after starting required minimum distributions (RMD) but the spouse is under 70.5, can the spouse roll over the IRA into his/her own IRA, and stop RMDs until age 70.5?
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I didn't record my Traditional IRA contributions. Is there a website that lists IRA contribution limits for past years?
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I have several jobs. Can I contribute the maximum to multiple employer retirement plans?
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Can I roll my 403(b) and 457 into other low-cost venders when I change jobs?
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I didn't earn any income this year. Can I still contribute to a Roth?
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Can I hold non-dollar currencies in my retirement fund?
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My spouse has little/no income. Can I contribute to my spouse's IRA?
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As a temporary resident of the US, can I withdraw funds from my Traditional IRA without penalty when I leave the country?
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I am considering taking a loan from my qualified retirement plan. What is the definition of a "reasonable interest rate"?
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Is my 403(b) account owned by me or by the institution?
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What are the requirements that a trust needs to meet to be qualified?
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If I participate in my company’s SIMPLE IRA plan, can I also contribute to another IRA in order to receive a larger tax deduction?
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I am making after-tax contributions to an IRA. Will I get taxed again when I withdraw it (when eligible)?
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What is the five-year waiting rule for Roth IRAs?
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I own a small business. Can the SBO-401(k) work for me?
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Will I incur a tax penalty when making withdrawls from my IRA in excess of my SEPP?
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How can I reduce the taxes on my inherited retirement assets?
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Is there a limit on how much I can move from my IRA to my Roth IRA?
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My husband left his ex-wife as his retirement plan beneficiary. Can this be changed?
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Why should investors pick less risky investments as they approach retirement?
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Can I establish more than one IRA?
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My old company offers a 401(k) plan and my new employer only offers a 403(b) plan. Can I roll over the money in the 401(k) plan to this new 403(b) plan?
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Are the distribution rules for 401(k) and 403(b) plans the same as those for IRA plans?
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When should I take my Canadian Pension Plan distributions?
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My certificate of deposit (CD) has just matured and I plan to contribute $10,000 of it to my current Roth IRA account. The person doing my taxes can't tell me why I can't make such a large contribution except for my low income - I am a disabled veteran on
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Can I roll over my IRA assets to a sheltered Canadian plan?
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I am starting a limited liability company (LLC). I will be the sole member. Can I open an SEP IRA? How much tax-deferred money would I be able to contribute each year?
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Is an employee eligible for an SEP if the plan has already been set up for other employees?
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