Retirement

  1. Segregated Funds: Investment Protection For Canadian Citizens

    Segregated Funds: Investment Protection For Canadian Citizens

    These funds contain the best of all worlds, providing opportunities for market growth with a no-loss guarantee.
  2. Collateralized Debt Obligations: From Boon To Burden

    Collateralized Debt Obligations: From Boon To Burden

    CDOs were to be Wall Street's boon - instead they went bust. Find out what went wrong.
  3. Is a person an active participant in an employer-sponsored retirement plan if he ...

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

    Yes. An individual is considered an active participant even if his or her participation in the plan has been for only a short ...
  4. What are the penalties for withdrawing from my Traditional IRA less than a year after ...

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

    Withdrawals from your Traditional IRA will be treated as ordinary income, and if you are under age 59.5 when the distribution ...
  5. Tough Times: Should You Dip Into Your Qualified Plan?

    Tough Times: Should You Dip Into Your Qualified Plan?

    401(k)s, pensions and profit-sharing plans can be a source of cash, but there are consequences to this option.
  6. Am I entitled to any of my ex-spouse's retirement plan benefits?

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

    Generally, former spouses are not entitled to benefits under a qualified plan, unless provisions were made for them to receive ...
  7. Choosing The Right Retirement Destination

    Choosing The Right Retirement Destination

    Retire in a place that fits your plans for post-work living.
  8. What happens when someone is given the golden boot?

    What happens when someone is given the golden boot?

    In business, the term "golden boot" describes the package used to convince older workers to take early retirement. Forcing ...
  9. 401(k) Predators: Don't Become Prey

    401(k) Predators: Don't Become Prey

    Be leery of "free" financial education sessions - the providers may not be working in your best interest.
  10. Plans The Small-Business Owner Can Establish

    Plans The Small-Business Owner Can Establish

    Don't hesitate to adopt a smart plan for you and your employees.
  11. ETN Credit Risk May Outweigh Benefits For Some

    ETN Credit Risk May Outweigh Benefits For Some

    Exchange-traded notes have many benefits, but they may not be suited to risk-averse investors.
  12. I am 52 years old and wish to make a withdrawal from my 401(k) plan. Is there any ...

    I am 52 years old and wish to make a withdrawal from my 401(k) plan. Is there any ...

    Most distributions from qualified retirement plans made to you before you reach the age of 59.5 are subject to an additional ...
  13. Do I need to hit my 401(k) contribution limit before I can begin making catch-up ...

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

    You generally need to reach the limit established by the plan in order to make catch-up contributions; therefore, if the ...
  14. 3 Steps To Take If You Miss Your RMD Deadline

    3 Steps To Take If You Miss Your RMD Deadline

    If you fail to take the required minimum distribution from your retirement account, you need to take proper steps.
  15. If an individual still has his or her former spouse as the beneficiary of an  IRA, ...

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

    It depends. Generally, divorce does not effectively change a beneficiary designation unless the divorce decree makes a stipulation ...
  16. How do my siblings and I receive inherited pension benefit payments from our deceased ...

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

    Generally, the provisions of the plan document determine the distribution options available to beneficiaries of retirement ...
  17. 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.
  18. Can an IRA be used as security for a loan?

    Can an IRA be used as security for a loan?

    The IRS prohibits the use of an IRA as security for a loan. If an individual borrows money against his or her IRA, the IRA ...
  19. My certificate of deposit (CD) has just matured and I plan to contribute $10,000 ...

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

    Your regular Roth IRA contribution can't exceed $4,000 annually. If you are at least age 50 by Dec 31, 2005, you can contribute ...
  20. I deducted my IRA contribution on my tax return but failed to transfer the funds. ...

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

    If an IRA contribution was deducted on a tax return, but the contribution was never made to the IRA by the taxpayer's tax ...
  21. What are the exceptions to the early distribution penalty for a non-qualified Roth ...

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

    The exceptions are as follows: The distribution is made on or after the date you reach age 59.5 The distribution is made ...
  22. Need Retirement Income? Sell Your House!

    Need Retirement Income? Sell Your House!

    Discover 10 tips for making a quick sale and a healthy profit.
  23. I'm about to retire. If I pay off my mortgage with after-tax money I have saved, ...

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

    Only you and your financial advisor, family, accountant, etc. can answer the "should I?" question because there are many ...
  24. Journey Through The 6 Stages Of Retirement

    Journey Through The 6 Stages Of Retirement

    Financial planning is important, but emotional planning is the key to retiree bliss.
  25. Where can I find information on multiple annual additions for someone employed by ...

    Where can I find information on multiple annual additions for someone employed by ...

    That information can be found in Internal Revenue Code Section 402(g). Also see IRS Publication 571.If an individual participates ...
  26. 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?
  27. Health-y Savings Accounts

    Health-y Savings Accounts

    HSAs can provide a new way to save for retirement and medical expenses.
  28. 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.
  29. Can I roll my 401(k) and/or IRA funds into a more liquid investment fund without ...

    Can I roll my 401(k) and/or IRA funds into a more liquid investment fund without ...

    Choosing your retirement plan investments requires the assistance of an expert who is able to analyze your options and to ...
  30. How do I get credit for my retirement plan contributions?

    How do I get credit for my retirement plan contributions?

    There is an added incentive for adding to your retirement nest egg, if your income falls within certain limits. Under this ...
  31. Strategic Ways To Distribute Your RMD

    Strategic Ways To Distribute Your RMD

    We give you some tips on preserving your nest egg in the face of unavoidable withdrawals.
  32. 5 Things To Consider Before Late-In-Life Marriage

    5 Things To Consider Before Late-In-Life Marriage

    Waiting to marry has become the norm, but do you know what to consider before saying "I do"?
  33. My spouse is the primary beneficiary of my IRA. I also have a contingent beneficiary. ...

    My spouse is the primary beneficiary of my IRA. I also have a contingent beneficiary. ...

    A spouse who is the sole primary beneficiary of an IRA can always treat the IRA as his or her own. The contingent beneficiary ...
  34. Alternative Investments In Your IRA

    Alternative Investments In Your IRA

    If you stray off the beaten path when investing your IRA assets, you'll find new potential pitfalls and rewards.
  35. 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 ...
  36. Can I move my IRA to a better income-producing opportunity?

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

    Yes. You may want to compare the IRA products offered by different financial institutions. Once you determine the financial ...
  37. Which amount should the brokerage use for the 1099-R?

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

    Assets in IRAs do not carry a cost basis for tax purposes.
  38. What are the tax consequences of a Roth IRA distribution if the IRA holder is younger ...

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

    The tax treatment of a Roth IRA distribution depends on whether the distribution is qualified. Qualified distributions from ...
  39. If I roll my annuity into an IRA and receive after-tax distributions, will this be ...

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

    Distributions of after-tax amounts (amounts already taxed) will not be taxable when distributed to you. However, you will ...
  40. I have two Roth IRAs, one of which has a balance that is much less than the total ...

    I have two Roth IRAs, one of which has a balance that is much less than the total ...

    It depends. You are eligible to write off the losses only if the balance for both of your Roth IRAs (combined) is less than ...
  41. What are some common and useful retirement planner designations? Are they expensive ...

    What are some common and useful retirement planner designations? Are they expensive ...

    Some common retirement planner designations are: Chartered Retirement Plans Specialist (CRPS) designation from the College ...
  42. Enjoy Life Now And Still Save For Later

    Enjoy Life Now And Still Save For Later

    Find out how to balance living well today and retiring well tomorrow.
  43. Personal Pensions: Repackaging The Annuity

    Personal Pensions: Repackaging The Annuity

    Discover an investment that can provide a stable income once you've left the work force.
  44. I understand that I can withdraw from a 401k the year I turn 55 without the 10% penalty ...

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

    You are referring to the rule that states that distributions from your qualified plan (including 401k, profit sharing, money ...
  45. My husband has become eligible for a 401(k) plan (with no matching contribution) ...

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

    Your husband's employer should check the retirement plan box on line 13 of the 2005 Form W-2 only if your husband elects ...
  46. My 80-year-old mother used her Roth IRA assets to make an $11,000 annual gift tax ...

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

    Under the current version of the law, any IRA or Roth IRA assets that are gifted while the IRA owner is alive are considered ...
  47. Can I pull out most of my assets from my IRA and use the cash as long as I replace ...

    Can I pull out most of my assets from my IRA and use the cash as long as I replace ...

    Generally, for the distribution to be considered non-taxable, it must be rolled over (deposited) into the IRA (or another ...
  48. Is divorce an exception to the SIMPLE IRA's two-year waiting period rule?

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

    First, some background: during the first two years after a SIMPLE IRA is established, assets held in the SIMPLE must not ...
  49. Will I incur a tax penalty when making withdrawls from my IRA in excess of my SEPP?

    Will I incur a tax penalty when making withdrawls from my IRA in excess of my SEPP?

    Unfortunately, the IRA is "locked" for five years because of the requirement that the substantially equal periodic payment ...
  50. Bear-Proof Your Retirement Portfolio

    Bear-Proof Your Retirement Portfolio

    Find out how to protect your assets so you can live out your dreams in style.
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