Retirement FAQs

  1. When is it a good idea to use an irrevocable life insurance trust?

  2. I have a profit-sharing plan with my former employer. I am now trying to buy a home. ...

  3. How does an employer benefit from a 401(k) matching plan?

  4. Why is accidental life insurance so inexpensive?

  5. What is the "stretch IRA" concept?

  6. What are the pros/cons of naming a trust as the beneficiary of a retirement account?

  7. What is the difference between early retirement and full retirement as it applies ...

  8. All of the following are allowable deductions used in determining taxable estate ...

  9. If my spouse passes away, will I have to sell my home to meet creditor obligations?

  10. When is the best time to purchase long-term care insurance?

  11. What documents should I have ready in case my partner or I should die?

  12. Which of the following accounts does ERISA cover?

  13. What is the "three-legged stool"?

  14. What is pension maximization?

  15. Which statement(s) is/are FALSE about market risk?

  16. What is long-term care?

  17. What are activities of daily living (ADL)?

  18. Why should I invest in the market when I can buy and sell houses or cars?

  19. A lot of retirement projections seem to assume an 8% rate of return. Is this realistic?

  20. Should a Canadian citizen who lives and works in the U.S. continue to contribute ...

  21. How do I use a conduit IRA?

  22. We are in a 401(k) at work. Can we also do a Roth each year? If we can, can it also ...

  23. Do I still have to pay penalties and taxes on money that I don't roll over from a ...

  24. Is a person an active participant in an employer-sponsored retirement plan if he ...

  25. What are the penalties for withdrawing from my Traditional IRA less than a year after ...

  26. Am I entitled to any of my ex-spouse's retirement plan benefits?

  27. What happens when someone is given the golden boot?

  28. I made involuntary contributions to a retirement plan while temporarily employed. ...

  29. I am making after-tax contributions to an IRA. Will I get taxed again when I withdraw ...

  30. If I am entitled according to my divorce decree to a percentage of my ex-husband's ...

  31. I didn't record my Traditional IRA contributions. Is there a website that lists ...

  32. Can my spouse and I convert our IRAs to Roth IRAs regardless of earned income?

  33. What will happen to my SEP IRA if I leave my current employer?

  34. What's the best kind of IRA for a 20-something?

  35. I've heard that workers who don't roll over their 401(k)s after retiring face some ...

  36. Does participation in a 401(k) plan prevent an individual from contributing to a ...

  37. Can I have a self-directed IRA or Roth IRA using the forex market?

  38. If I roll my annuity into an IRA and receive after-tax distributions, will this be ...

  39. After receiving a required distribution when and how are my taxes affected?

  40. Can I roll over my IRA assets to a sheltered Canadian plan?

  41. I just learned that my 2004 and 2005 Roth IRA contributions are not allowed because ...

  42. I stopped distributions from my retirement account while under Rule 72(t). Will this ...

  43. Can a person who is retired continue to fund an IRA?

  44. Do I have to continue SEPPs for an inherited IRA?

  45. Can I contribute to my company-sponsored 401(k) after the company's year-end but ...

  46. I will be receiving monies from a QDRO executed pursuant to my divorce. I would like ...

  47. How can a trust lower federal transfer tax liability?

  48. I'm having trouble getting my former employer to distribute my 401(k) plan balance ...

  49. Upon my death, will the beneficiaries of my IRA be compelled to take the entire amount ...

  50. Should I start taking my RMD based on the amount in my account when I turn 70.5?

  51. What procedure applies to a taxpayer who made excess contributions for 2001, 2002, ...

  52. I overcontributed to my 401(k). What are my options?

  53. Can I establish more than one IRA?

  54. Can the non-spouse beneficiary of an IRA name a successor beneficiary?

  55. What is the best retirement plan option for a physician with her own practice, employees ...

  56. My company is the trustee of our 401k plan (which has 112 participants). What are ...

  57. I understand that I can withdraw from a 401k the year I turn 55 without the 10% penalty ...

  58. What are the rules and reporting requirements for a rollover of a required minimum ...

  59. I didn't earn any income this year. Can I still contribute to a Roth?

  60. My uncle died recently. He designated my mother and father as his beneficiaries in ...

  61. Can either a SEP IRA or a SIMPLE IRA be attached in a bankruptcy or malpractice action, ...

  62. Can I add my higher income spouse's name to my Roth IRA in order to raise our contribution ...

  63. What is the difference between a ROTH, SEP and Traditional IRA?

  64. Can I hold non-dollar currencies in my retirement fund?

  65. I recently and accidentally established a Roth IRA for my spouse instead of myself ...

  66. Once substantially equal periodic payments (SEPP) of an IRA have started, is the ...

  67. I'm about to retire. If I pay off my mortgage with after-tax money I have saved, ...

  68. How do I sign up for the saver's tax credit?

  69. I am over 60 years old and have a Roth IRA to which I have made contributions for ...

  70. Can I move my IRA to a better income-producing opportunity?

  71. My 80-year-old mother used her Roth IRA assets to make an $11,000 annual gift tax ...

  72. Why should investors pick less risky investments as they approach retirement?

  73. I retired and transferred part of my pension distribution to a Roth IRA. If I am ...

  74. Can you have a 403(b) and also contribute to a 401(k)?

  75. I am in the second year of taking SEPP distributions from my IRA. Can I transfer ...

  76. If an IRA owner dies after starting required minimum distributions (RMD) but the ...

  77. I am rolling my 401(k) into an IRA. After a year, can I convert this amount to a ...

  78. My certificate of deposit (CD) has just matured and I plan to contribute $10,000 ...

  79. Is divorce an exception to the SIMPLE IRA's two-year waiting period rule?

  80. What types of plans allow catch-up contributions?

  81. When am I not required to submit a social security number on my tax return?

  82. My wife and I both converted our Traditional IRAs to Roth IRAs in Dec 1998 and have ...

  83. Can a creditor seize my retirement savings?

  84. How do my siblings and I receive inherited pension benefit payments from our deceased ...

  85. Should I put money into a retirement account even if it isn't tax deductible?

  86. When should I take my Canadian Pension Plan distributions?

  87. Can I roll my 403(b) and 457 into other low-cost venders when I change jobs?

  88. I'm a teacher. Which is better for me, a 401(k) or 403(b)? What is the difference? ...

  89. Are there tax penalties for closing my Roth IRA account?

  90. I want to roll over a portion of my retirement plan with my employer and I have been ...

  91. Why should I bother creating a budget?

  92. My company has three partners but plans to hire more this year. Would we be better ...

  93. Can I borrow from an IRA without penalty?

  94. I failed to distribute an inherited 401(k) that was found in an audit. What happens ...

  95. Can a spouse who is not named as a beneficiary receive assets from an IRA?

  96. I just opened an IRA. What can I do to help my money grow?

  97. If I pass away, will my retirement plan go to my spouse tax free?

  98. I deducted my IRA contribution on my tax return but failed to transfer the funds. ...

  99. Is an employee eligible for an SEP if the plan has already been set up for other ...

  100. I am 61 years old and would like to contribute to my employer's 401(k) plan. Is there ...

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