Retirement

  1. The Reverse Mortgage: A Retirement Tool

    The Reverse Mortgage: A Retirement Tool

    Discover another way to fund your retirement without having to make payments on a loan.
  2. Build A Wall Around Your Assets

    Build A Wall Around Your Assets

    Learn how to protect your money from lawsuits, creditors and other judgment proceedings.
  3. Be Your Own Boss By Freelancing

    Be Your Own Boss By Freelancing

    Learn the pros and cons before you bid adieu to sales meetings and power suits forever.
  4. No Need To Rush End-Of-Career Retirement Planning

    No Need To Rush End-Of-Career Retirement Planning

    Your retirement is fast approaching, but your retirement plan needn't change as quickly.
  5. House Your Retirement With Self-Directed Real Estate IRAs

    House Your Retirement With Self-Directed Real Estate IRAs

    Investors are now able to invest directly in real property, mortgages and other assets.
  6. Can I convert non-deductible contributions made to my Traditional IRA to a Roth IRA ...

    Can I convert non-deductible contributions made to my Traditional IRA to a Roth IRA ...

    You can convert the contributions to a Roth IRA; however, a portion of the amount you convert to the Roth will be subject ...
  7. I overcontributed to my 401(k). What are my options?

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

    If you overcontributed (made excess deferral contributions) to your 401(k) plan account, you should notify your employer ...
  8. What are the

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

    For substantially equal periodic payments (SEPPs), the distributions would occur from your IRA after you rollover the assets. ...
  9. Can a simplified employee pension (SEP) IRA be converted to a Roth IRA in the same ...

    Can a simplified employee pension (SEP) IRA be converted to a Roth IRA in the same ...

    Yes. An SEP IRA can be converted to a Roth IRA.As you may know, an SEP IRA is just a Traditional IRA that receives employer ...
  10. My husband has a 401(k) account which is 100% vested with an $8,000 balance. We are ...

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

    Unfortunately, the conditions under which hardship withdrawals can be made from a qualified plan, including a 401(k) plan, ...
  11. My uncle died recently. He designated my mother and father as his beneficiaries in ...

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

    It depends. If the retirement plan is a qualified plan, then the plan administrator would refer to the plan document to determine ...
  12. How can I make sure that past IRS errors have been corrected?

    How can I make sure that past IRS errors have been corrected?

    It depends. If these were Traditional IRA contributions, they may be reflected on your tax return. Otherwise, you may ask ...
  13. I am only 17 years old. I don't have a job or pay taxes. Can I contribute to an IRA? ...

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

    You must have earned income (eligible compensation) to be eligible to contribute to a Roth IRA. Individuals who are eligible ...
  14. Are the deferred earnings in a SIMPLE IRA subject to FICA taxes?

    Are the deferred earnings in a SIMPLE IRA subject to FICA taxes?

    While salary deferral contributions to a savings incentive match plan for employees of small employers (SIMPLE) IRAs and ...
  15. I have just been laid off. Can I use my 401(k) for living expenses now and report ...

    I have just been laid off. Can I use my 401(k) for living expenses now and report ...

    Any amounts withdrawn from your 401(k) plan must be treated as ordinary income for the year the amount is distributed from ...
  16. What effect will a prenuptial agreement have on a 401(k)?

    What effect will a prenuptial agreement have on a 401(k)?

    Courts have ruled that a prenuptial agreement for qualified plan (including 401(k)) assets is invalid. The logic is that ...
  17. I'm worried about the economy and want to move my IRA funds from stocks and bonds ...

    I'm worried about the economy and want to move my IRA funds from stocks and bonds ...

    If you move you funds from stocks and bonds to cash, the movement will not be taxable. The money is taxable only if you take ...
  18. Analyzing IRA And ESA Statements

    Analyzing IRA And ESA Statements

    Learn how to read and verify 5498 and 5498-ESA reporting your retirement-account contributions.
  19. Avoiding Mistakes In Required Minimum Distributions (RMD)

    Avoiding Mistakes In Required Minimum Distributions (RMD)

    If you don't calculate your required minimum distributions accurately, you might have to pay an excise tax.
  20. 8 Reasons To Never Borrow From Your 401(k)

    8 Reasons To Never Borrow From Your 401(k)

    Find out why dipping into your future savings can have serious consequences.
  21. 5 Retirement Questions Everyone Must Answer

    5 Retirement Questions Everyone Must Answer

    Find out what information you need to guide your planning and achieve your goals.
  22. How To Cure An Ailing 401(k)

    How To Cure An Ailing 401(k)

    High-cost, outdated plans can prevent your retirement portfolio from thriving.
  23. 3 Life Events That Can Ruin Retirement Plans

    3 Life Events That Can Ruin Retirement Plans

    Death, divorce and loss of income can leave retirees reeling. Learn how to prepare.
  24. Retirement Funds To Fund Startups

    Retirement Funds To Fund Startups

    Retired entrepreneurs who have "played it safe" and retirees who want to stretch their dollars are looking to invest here. ...
  25. I'm a teacher. Which is better for me, a 401(k) or 403(b)? What is the difference? ...

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

    The first step is to check with your employer regarding any retirement plan(s) it provides for employees, as you can only ...
  26. What are some of the features and benefits of SEP IRAs and Roth IRAs?

    What are some of the features and benefits of SEP IRAs and Roth IRAs?

    SEP IRA Established and funded by a business (including a sole proprietorship) Must be established and funded by the employer's ...
  27. The company I am working for said that 401(k) contribution can be based on only straight ...

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

    The regulation (law) that addresses your specific question has not changed. However, both employers may be right. Here's ...
  28. I have several Roth IRA conversions, each with different custodians. When I spoke ...

    I have several Roth IRA conversions, each with different custodians. When I spoke ...

    It is true that at any time you may take out (distribute) the amount you converted without paying tax on the amount because ...
  29. I'm having trouble getting my former employer to distribute my 401(k) plan balance ...

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

    Your employer or the plan administrator for the 401(k) plan should have provided you with a copy of the 401(k) plan's summary ...
  30. What is a good book on creating a trust that would qualify as the beneficiary for ...

    What is a good book on creating a trust that would qualify as the beneficiary for ...

    "Life And Death Planning For Retirement Benefits" has all you need and more. If you read this book, you won't need any luck.To ...
  31. Can IRAs be held jointly by spouses?

    Can IRAs be held jointly by spouses?

    An individual retirement account (IRA) must be established and maintained on an individual basis. It cannot be held jointly. ...
  32. Can I add my higher income spouse's name to my Roth IRA in order to raise our contribution ...

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

    IRS rules prevent you from maintaining joint Roth IRA accounts. However, you may accomplish your goal of contributing larger ...
  33. I just learned that my 2004 and 2005 Roth IRA contributions are not allowed because ...

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

    The 2004 excess amount to your Roth IRA would have to be removed by October 15, 2005, to avoid the 6% penalty (assuming that ...
  34. If a company undergoes an acquisition can an employee withdraw 401(k) funds tax free?

    If a company undergoes an acquisition can an employee withdraw 401(k) funds tax free?

    Although the participant may be eligible to withdraw the funds if a plan is terminated as a result of an acquisition or other ...
  35. Can I still set up an SEP if one of my employees refuses to participate?

    Can I still set up an SEP if one of my employees refuses to participate?

    You can establish the SEP IRA, even if the employee refuses to participant. However, you would need to establish an IRA for ...
  36. I have two jobs. Can I contribute to two SIMPLE IRA plans?

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

    If there is no relationship between the two companies - the only link is that the employee works for both of them - then ...
  37. I just opened an IRA. What can I do to help my money grow?

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

    For individuals who are just starting to save, certificates of deposit can be a good place to start, but the interest rates ...
  38. I am self-employed and do not need most of my IRA RMD for expenses. Can I reinvest ...

    I am self-employed and do not need most of my IRA RMD for expenses. Can I reinvest ...

    You can use your required minimum distributions (RMDs) to fund your Roth IRA as a Roth IRA contribution. This is because ...
  39. How To Evaluate Pension Risk By Analyzing Annual Costs

    How To Evaluate Pension Risk By Analyzing Annual Costs

    Learn how to assess whether a company's pension plan is posing more risks than what the footnotes indicate.
  40. Skipping-Out on Probate Costs

    Skipping-Out on Probate Costs

    Don't let bad estate planning lead to unnecessary costs and stress for your inheritors.
  41. Common Questions About Retirement Plans

    Common Questions About Retirement Plans

    We offer some solutions for the individual taxpayer as well as the small business owner.
  42. Are You Saving Too Much?

    Are You Saving Too Much?

    "Spend now! Don't worry about retirement," say some experts. Could they possibly be right?
  43. Fatal Seduction Of The Municipal Bond Insurers

    Fatal Seduction Of The Municipal Bond Insurers

    Learn how a foray into CDOs and other exotic products ruined an industry's image.
  44. Top 6 Myths About Social Security Benefits

    Top 6 Myths About Social Security Benefits

    Misinformation on retirement benefits is common. We'll set the record straight.
  45. Can IRA Transactions Trigger The Wash-Sale Rule?

    Can IRA Transactions Trigger The Wash-Sale Rule?

    In 2008, the IRS said: Yes, they can. Find out what this means and how to avoid penalties.
  46. Wealth-Building IRA Rollovers

    Wealth-Building IRA Rollovers

    Rollovers allow your tax-deferred retirement assets to grow, even when the world around you is changing.
  47. I work for a university, and I have a 403(b) with TIAA-CREF. But TIAA-CREF says I ...

    I work for a university, and I have a 403(b) with TIAA-CREF. But TIAA-CREF says I ...

    It depends. The IRS does permit the transfer of assets between 403(b) providers; however, employers and 403(b) providers ...
  48. How do I go about opening up a Roth IRA?

    How do I go about opening up a Roth IRA?

    You may open Roth IRAs at most financial institutions, such as your local bank, your credit union, or brokerage firm. You ...
  49. I am over 60 years old and have a Roth IRA to which I have made contributions for ...

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

    Because you meet the five-year requirement (i.e. it has been five years since you first established and funded a Roth IRA) ...
  50. Can 529 plans be used to transfer wealth to other family members if the original ...

    Can 529 plans be used to transfer wealth to other family members if the original ...

    Yes, the 529 plan (also known as a "qualified tuition program") allows you to distribute and roll over funds from one 529 ...
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