Denise Appleby

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  1. I am in my mid thirties and have nothing invested for retirement. ...
    Retirement

    I am in my mid thirties and have nothing invested for retirement. ...

    It is never too late to start saving for retirement. Even starting at age 35 means you will have more than 30 years to save.The type of IRA you choose is usually determined by your individual circumstances ...
  2. What is the difference between a Traditional and a Roth ...
    Retirement

    What is the difference between a Traditional and a Roth ...

    The main difference between a Traditional and a Roth IRA is the way contributions are deducted for tax breaks. Whereas contributions to Traditional IRAs are either deductible or non-deductible, Roth IRA ...
  3. Are there special benefits for U.S. armed forces personnel?
    Retirement

    Are there special benefits for U.S. armed forces personnel?

    If you are a member of the military, you may be afforded special tax benefits that might not be available to other taxpayers. These include the following:Automatic ExtensionIf you are serving in a combat ...
  4. Does the five-year rule apply if a non-spouse inherits an ...
    Retirement

    Does the five-year rule apply if a non-spouse inherits an ...

    The five-year rule applies only when the IRA owner dies before the required beginning date (RBD). If the IRA owner dies after the RBD and did not satisfy the required minimum distribution (RMD) for the ...
  5. I work for two companies. How much can I contribute to each ...
    Retirement

    I work for two companies. How much can I contribute to each ...

    It depends.If you work for two companies that are unrelated and unaffiliated, you can make salary deferral contributions of up to $20,500 between the two plans with no more than $13,000 going to one of ...
  6. Keeping Track Of Retirement Plan Assets
    Retirement

    Keeping Track Of Retirement Plan Assets

    Maintain records of your pension benefits or risk losing them.
  7. Tips On How To Use IRAs To Boost Retirement Savings
    Retirement

    Tips On How To Use IRAs To Boost Retirement Savings

    According to the Trustees of the Social Security Fund, the fund will be depleted by 2037. Are you ready?
  8. Business Owners: Rules For Qualified Retirement Plans
    Entrepreneurship

    Business Owners: Rules For Qualified Retirement Plans

    Business owners need to take note of how they handle qualified-plan distributions to former employees.
  9. Tax-Saving Advice For IRA Holders
    Taxes

    Tax-Saving Advice For IRA Holders

    Be informed about benefits and deductions that may apply to you and avoid costly mistakes on your return.
  10. 3 Retirement Plan Moves To Make Before Year-End
    Taxes

    3 Retirement Plan Moves To Make Before Year-End

    If you don't know what must be done before December 31 you may miss opportunities - or even pay penalties.
  11. Is it possible to reverse an IRA? I received a QDRO and ...
    Retirement

    Is it possible to reverse an IRA? I received a QDRO and ...

    Because a qualified domestic relations order (QDRO) is a court order, it cannot be reversed once it is received and processed by the retirement plan. If the instructions to reverse the QDRO were issued ...
  12. My husband left his ex-wife as his retirement plan beneficiary. ...
    Retirement

    My husband left his ex-wife as his retirement plan beneficiary. ...

    Even when assets are divided following a divorce, in many cases, former spouses and heirs engage the services of attorneys and the courts to determine the beneficiaries of the retirement-plan assets of ...
  13. Earnings within a Roth IRA are tax free, so are these earnings ...
    Retirement

    Earnings within a Roth IRA are tax free, so are these earnings ...

    There are two possible answers to this question, depending on whether or not the distribution from the Roth IRA is qualified.Earnings on investments within a Roth IRA are neither subject to income tax ...
  14. Are any special forms or documents required when transferring ...
    Retirement

    Are any special forms or documents required when transferring ...

    Most firms require that you complete their account transfer request form, which they use to request the transfer of assets (to your receiving account) on your behalf. Other than this document and the paperwork ...
  15. I own a small business. Can the SBO-401(k) work for me?
    Entrepreneurship

    I own a small business. Can the SBO-401(k) work for me?

    The SBO-401(k) can only be adopted by businesses in which only the business's owners are eligible participants in the plan. The ideal candidate for the SBO-401(k) is an employer who has employees, they ...
  16. Can an employer adopt a different type of retirement plan ...
    Retirement

    Can an employer adopt a different type of retirement plan ...

    Generally, any qualified retirement plan or IRA-based plan adopted by an employer must cover all eligible employees. Failure to do so could result in plan disqualification. For example, suppose that a ...
  17. IRA Assets And Alternative Investments
    Retirement

    IRA Assets And Alternative Investments

    Interested in non-traditional investing? Make sure you follow the rules to avoid prohibited transactions.
  18. Distribution Rules For Inherited Retirement Plan Assets
    Taxes

    Distribution Rules For Inherited Retirement Plan Assets

    If you've recently inherited a retirement plan, you must get to know the rules for distributing the funds.
  19. 3 Reasons To Use An Employer-Sponsored Retirement Plan
    Retirement

    3 Reasons To Use An Employer-Sponsored Retirement Plan

    If you aren't participating in your employer-sponsored retirement plan, you're missing out! Learn the benefits.
  20. Can I close my existing Roth IRA and invest in a new Roth ...
    Retirement

    Can I close my existing Roth IRA and invest in a new Roth ...

    If If you withdraw your Roth IRA contribution, the amount will be tax and penalty free. If your initial contribution accrued earnings while in the Roth IRA and you also withdraw the earnings, the earnings ...
  21. If there are two plans and one is terminated, creating a ...
    Retirement

    If there are two plans and one is terminated, creating a ...

    It depends. If the loan is in good standing - the participant did not default on the loan and the loan meets other statutory requirements - then the loan is treated as an offset and is rollover eligible.If ...
  22. Is my 403(b) account owned by me or by the institution? ...
    Retirement

    Is my 403(b) account owned by me or by the institution? ...

    You are the owner of your 403(b). The financial institution just holds the assets on your behalf and facilitates your transactions.For the assets they hold on your behalf, financial institutions generally ...
  23. What are the requirements that a trust needs to meet to ...
    Retirement

    What are the requirements that a trust needs to meet to ...

    The requirements that a trust must meet to be qualified are as follows: The trust must be a valid trust under state law or would be except for the fact that there is no corpus. The trust must be irrevocable ...
  24. I overcontributed to my Roth, then lost half of this money ...
    Retirement

    I overcontributed to my Roth, then lost half of this money ...

    It depends. If the excess contribution is removed from your Roth IRA by your tax-filing deadline plus any extensions, along with any net attributable income (NIA), the 6% excise tax does not apply. If ...
  25. Can an individual contribute to both a Roth IRA and a Traditional ...
    Retirement

    Can an individual contribute to both a Roth IRA and a Traditional ...

    Yes. An individual may make IRA contributions to both a Roth and a Traditional IRA, providing the combined contribution total does not exceed the contribution limit for the year. For instance, for tax ...
  26. Are my IRAs secure against possible liens?
    Retirement

    Are my IRAs secure against possible liens?

    Your IRA is protected from bankruptcy up to $1 million. However, in all other cases, state law determines whether any protection exists and the level of protection.It is best to consult with a local attorney ...
  27. Can high-income earners deduct yearly defined-benefit plan ...
    Retirement

    Can high-income earners deduct yearly defined-benefit plan ...

    At a very high income level (say from $300,000 plus per year), you may be able to contribute and deduct the $100,000 contribution each year, or possibly more. However, as you may already know, defined-benefit ...
  28. If an employee covered by a SIMPLE leaves his employer within ...
    Retirement

    If an employee covered by a SIMPLE leaves his employer within ...

    During the first two years after the SIMPLE IRA is established, assets held in the SIMPLE must not be transferred or rolled to another retirement plan. This two-year period, to which you refer in your ...
  29. Where can I find information on how to distribute my deceased ...
    Retirement

    Where can I find information on how to distribute my deceased ...

    Related information can be found in IRS publication 590. See page 32 (bottom right hand corner) and page 35. If the trust is qualified, as described on page 35, distributions may occur over the life expectancy ...
  30. 3 Common Excuses For Not Contributing To A Retirement Plan
    Savings

    3 Common Excuses For Not Contributing To A Retirement Plan

    If you're not participating in your employer-sponsored retirement plan, there may be some easy solutions.
  31. Substantially Equal Periodic Payment (SEPP): Learn The Rules
    Retirement

    Substantially Equal Periodic Payment (SEPP): Learn The Rules

    Taxpayers often make costly mistakes with SEPP programs because there is little guidance on what can be done in certain situations.
  32. 5 Ways To Stretch Your Retirement Budget
    Budgeting

    5 Ways To Stretch Your Retirement Budget

    Living comfortably can be easy if you follow a simple plan.
  33. Retirement Savings Plans For Kids
    Savings

    Retirement Savings Plans For Kids

    It's never too early to save for the future - learn how your children can get started.
  34. Top 4 Reasons To Save For Retirement Now
    Retirement

    Top 4 Reasons To Save For Retirement Now

    No more excuses. Make sure you are financially secure and independent for your golden years.
  35. 3 Retirement Account Rules To Know
    Taxes

    3 Retirement Account Rules To Know

    Stay up-to-date on regulation amendments to avoid penalties as well as take advantage of new opportunities.
  36. Job Hunting: Higher Pay Vs. Better Benefits
    Retirement

    Job Hunting: Higher Pay Vs. Better Benefits

    Focusing on salary may be a mistake. Find out which benefits have the highest long-run payoff.
  37. Should You Borrow From Your Retirement Plan?
    Retirement

    Should You Borrow From Your Retirement Plan?

    It makes sense to dip into your savings in some cases, but you must be aware of the potential consequences.
  38. Choosing The Right 529 Education Savings Plan
    Savings

    Choosing The Right 529 Education Savings Plan

    Before you fund one of these education-savings vehicles, be sure you know their differences.
  39. Bankruptcy Protection For Your Accounts
    Retirement

    Bankruptcy Protection For Your Accounts

    Will the plan assets you've worked hard for be safe if you experience a personal financial crisis?
  40. 10 Tips For Achieving Financial Security
    Savings

    10 Tips For Achieving Financial Security

    Follow this sound advice and plan for a comfortable future.
  41. Combining Your Plan Assets? Not So Fast!
    Retirement

    Combining Your Plan Assets? Not So Fast!

    You might reduce the costs of maintaining more than one account, but you could also be forfeiting tax benefits.
  42. 3 Deadlines For Retirement Plan Beneficiaries
    Retirement

    3 Deadlines For Retirement Plan Beneficiaries

    To take full advantage of new RMD regulations, beneficiaries need to take action before important deadlines.
  43. Traditional IRA Deductibility Limits
    Retirement

    Traditional IRA Deductibility Limits

    Find out where you can take a tax deduction on the contributions you make.
  44. Designating A Trust As Retirement Beneficiary
    Retirement

    Designating A Trust As Retirement Beneficiary

    Designating a trust as your IRA beneficiary can be beneficial, but it requires proper planning to avoid problems.
  45. Business Owners: How To Set Up An SEP IRA
    Entrepreneurship

    Business Owners: How To Set Up An SEP IRA

    SEP IRAs are simple to set up and run, making them a popular choice for business owners.
  46. An Introduction To The Keogh Retirement Plan
    Retirement

    An Introduction To The Keogh Retirement Plan

    Learn more about this popular defined-contribution retirement plan that many business owners, proprietors, and self-employed people can benefit from.
  47. Designations No Retirement Planner Should Be Without
    Professionals

    Designations No Retirement Planner Should Be Without

    Advance your career and gain clientele by adding a few choice certifications.
  48. Managing Income During Retirement
    Budgeting

    Managing Income During Retirement

    Learn some sensible strategies for making your hard-earned savings last for as long as you need them.
  49. Retirement Savings Tips For 35- To 44-Year-Olds
    Options & Futures

    Retirement Savings Tips For 35- To 44-Year-Olds

    Learn how the "sandwich generation" can save for retirement while taking care of their kids and parents.
  50. 6 Retirement Savings Tips For 45- To 54-Year-Olds
    Savings

    6 Retirement Savings Tips For 45- To 54-Year-Olds

    Now is the time to kick savings into high gear. Find out how.
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