Retirement FAQs

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

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

  3. How do I use a conduit IRA?

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

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

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

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

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

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

  10. I'm 70.5 and still working for my own company. Can I defer starting my required minimum ...

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

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

  13. Can I return funds to my Traditional IRA after taking a distribution?

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

  15. Is it permissible for a 70-year-old person to buy an IRA?

  16. Can I roll over a profit-sharing plan to an SEP IRA account without suffering any ...

  17. If an individual still has his or her former spouse as the beneficiary of an IRA, ...

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

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

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

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

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

  23. I'm an 80 year old making increasing required minimum distribution (RMD) tax payments. ...

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

  25. I have several jobs. Can I contribute the maximum to multiple employer retirement ...

  26. Can an IRA beneficiary roll the IRA over into another account and designate another ...

  27. Do I need to hit my 401(k) contribution limit before I can begin making catch-up ...

  28. What are the exceptions to the early distribution penalty for a non-qualified Roth ...

  29. Can I give stock as a gift?

  30. Can a creditor seize my retirement savings?

  31. What kinds of investments are allowed in a qualified retirement plan, and what kinds ...

  32. My Traditional IRA has been converted to a Roth IRA. Can I still make a qualified ...

  33. Can investment real estate be purchased within an IRA and, if so, are there any pitfalls?

  34. I participate in a profit-sharing plan at work. If I retire at age 62, will I be ...

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

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

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

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

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

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

  41. Can I leave my pension to my spouse when I pass away?

  42. What is estate planning?

  43. As a temporary resident of the US, can I withdraw funds from my Traditional IRA without ...

  44. I do not want to totally get out of my retirement 401(k), but I want to take 72(t) ...

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

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

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

  48. My mother inherited my father's IRA. When she died, I received an account application ...

  49. What is the five-year waiting rule for Roth IRAs?

  50. I withdrew funds from my Roth IRA to contribute elsewhere. How will I be taxed?

  51. Who qualifies as "single" for tax or retirement purposes when spouses do not live ...

  52. Can I establish more than one IRA?

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

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

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

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

  57. If I am no longer employed, can I roll over a 403(b) plan into an IRA?

  58. What are the "certain requirements" that must be met for substantially equal periodic ...

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

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

  61. Can an IRA owner disclaim his widow's account but exclude one spendthrift contingent ...

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

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

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

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

  66. Can I, without tax penalties, use the IRA I inherited from my father to buy a home ...

  67. The company I am working for said that 401(k) contribution can be based on only straight ...

  68. My recently deceased spouse's IRA has been rolled over into mine. Does the cost basis ...

  69. My husband has become eligible for a 401(k) plan (with no matching contribution) ...

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

  71. What are the tax consequences of a Roth IRA distribution if the IRA holder is younger ...

  72. Can my spouse and I use our IRAs to purchase our first home?

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

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

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

  76. What are the income limits for Roth IRA contributions?

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

  78. How do I go about opening up a Roth IRA?

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

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

  81. Which amount should the brokerage use for the 1099-R?

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

  83. Who bears the investment risk in 401(k) plans?

  84. How can I reduce the taxes on my inherited retirement assets?

  85. I inherited a Roth IRA. What are my options for taking distributions from the account?

  86. Can I roll the funds in an SEP-IRA over to a profit-sharing plan or self-directed ...

  87. What should I consider when I select an executor for my will?

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

  89. I have conservative views on investing. How should I go about investing in a Roth ...

  90. I am a teacher in a public school system and I don't presently have a 403(b) plan, ...

  91. My husband has a 401(k) account which is 100% vested with an $8,000 balance. We are ...

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

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

  94. Can I fund a Traditional IRA, a 403(b) or a Roth IRA using pension money? I'm 56 ...

  95. I am only 17 years old. I don't have a job or pay taxes. Can I contribute to an IRA? ...

  96. I have two jobs. Can I contribute to two SIMPLE IRA plans?

  97. How long does an IRA beneficiary have to take an RMD after the IRA holder dies?

  98. What is the difference between a Keogh and an IRA?

  99. What do you do for a non-spouse beneficiary receiving a required minimum distribution ...

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

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