Retirement

  1. 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.
  2. 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 ...
  3. 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.
  4. 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 ...
  5. Choosing The Right Retirement Destination

    Choosing The Right Retirement Destination

    Retire in a place that fits your plans for post-work living.
  6. 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 ...
  7. 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.
  8. Roth Vs. Traditional IRA: Which Is Right For You?

    Roth Vs. Traditional IRA: Which Is Right For You?

    To answer this question, you need to consider several of the factors we outline here.
  9. Retiring Early: How Long Should You Wait?

    Retiring Early: How Long Should You Wait?

    Maximize your Social Security benefits by choosing when you retire.
  10. Need Retirement Income? Sell Your House!

    Need Retirement Income? Sell Your House!

    Discover 10 tips for making a quick sale and a healthy profit.
  11. A Multipurpose Future Planning Tool

    A Multipurpose Future Planning Tool

    Overfunded variable universal life insurance policies can be an all-in-one financial solution.
  12. The Gatekeepers: Consultants Hold The Key

    The Gatekeepers: Consultants Hold The Key

    Institutional investment consultants help match up asset managers with large institutions.
  13. Squeeze A Greenback Out Of Your Latte

    Squeeze A Greenback Out Of Your Latte

    Stick to your budget every day with these 15 simple tips.
  14. Rejuvenate Your Life And Career With A Sabbatical

    Rejuvenate Your Life And Career With A Sabbatical

    Sometimes a one-week vaction isn't enough. Learn the pros and cons of an extended break.
  15. 401(k) Debit Cards: Taking A Swipe At Your Retirement Savings

    401(k) Debit Cards: Taking A Swipe At Your Retirement Savings

    This is just another more convenient way to borrow from your plan. But at what cost?
  16. Bear Spray For Your 401(k)

    Bear Spray For Your 401(k)

    You can defend your retirement savings from the ravages of a bear market. We'll show you how.
  17. I converted my former IRA to a Roth for tax purposes in 1998, so even though the ...

    I converted my former IRA to a Roth for tax purposes in 1998, so even though the ...

    Because you are over age 59 ½, you will not owe any early-distribution penalty on any distributions you take from your Roth ...
  18. 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 ...
  19. My wife and I both converted our Traditional IRAs to Roth IRAs in Dec 1998 and have ...

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

    You and your spouse each qualify for a penalty-free distribution of up to $10,000 for the purchase, acquisition or construction ...
  20. I made involuntary contributions to a retirement plan while temporarily employed. ...

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

    Your options depend on the type of penalty that would apply. If the penalty is a surrender charge or another penalty that ...
  21. My mother inherited my father's IRA. When she died, I received an account application ...

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

    If your brother cannot be found, you may want to check with the IRA custodian and/or the financial advisor to find out if ...
  22. If a trust is named as the beneficiary of an IRA, can the trustee of that trust become ...

    If a trust is named as the beneficiary of an IRA, can the trustee of that trust become ...

    While the IRA owner is alive, only the IRA owner can change the designated beneficiary of the IRA. Exceptions may apply if ...
  23. 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 ...
  24. I retired and transferred part of my pension distribution to a Roth IRA. If I am ...

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

    The age 55 exception applies only to distributions from qualified plans and 403(b) accounts. Once the assets have been credited ...
  25. Can I roll the funds in an SEP-IRA over to a profit-sharing plan or self-directed ...

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

    Yes. Funds can be rolled over from an SEP IRA to a profit-sharing plan, provided the plan document that governs the profit-sharing ...
  26. Did Your Roth IRA Conversion Pass or Fail?

    Did Your Roth IRA Conversion Pass or Fail?

    If you are moving assets from a Traditional IRA to a Roth IRA, you need to know the associated tax rules.
  27. Your Will: Why You Need A Power Of Attorney And Beneficiaries

    Your Will: Why You Need A Power Of Attorney And Beneficiaries

    What would happen if you were suddenly unable to manage your financial affairs? Preparation is the best protection.
  28. Pension Law Could Reduce Your Payout

    Pension Law Could Reduce Your Payout

    Discover how this act negatively affects your lump-sum withdrawals.
  29. Health-y Savings Accounts

    Health-y Savings Accounts

    HSAs can provide a new way to save for retirement and medical expenses.
  30. Maxing Out Your RRSP (Canadian)

    Maxing Out Your RRSP (Canadian)

    Increasing your savings will provide tax benefits - and peace of mind.
  31. Asset Distributions A Key Consideration For Retirees

    Asset Distributions A Key Consideration For Retirees

    How you distribute qualified retirement plan money can affect your taxes and Social Security benefits.
  32. Can I roll over a profit-sharing plan to an SEP IRA account without suffering any ...

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

    It depends. If the transaction is processed as a direct rollover to the SEP IRA, then no taxes will be withheld. Through ...
  33. Can you have a 403(b) and also contribute to a 401(k)?

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

    Yes. You may participate in both a 403(b) and a 401(k) plan. However, certain restrictions may apply to the amount you can ...
  34. Is my husband's ex-spouse entitled to receive my spouse's retirement benefits?

    Is my husband's ex-spouse entitled to receive my spouse's retirement benefits?

    The rules vary among retirement benefits. In some cases, because you are the current spouse, you will be treated as the beneficiary ...
  35. Upon my death, will the beneficiaries of my IRA be compelled to take the entire amount ...

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

    It depends. If the beneficiary of your IRA is your spouse, he or she will be eligible to transfer the amount to his or her ...
  36. I want to purchase a five-year period certain single premium immediate annuity (SPIA) ...

    I want to purchase a five-year period certain single premium immediate annuity (SPIA) ...

    The income from a SPIA IRA is subject to the early distribution penalty unless an exception applies. As you may know, the ...
  37. Can an IRA owner disclaim his widow's account but exclude one spendthrift contingent ...

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

    From your question, it appears that the widow is the sole primary beneficiary, in which case any portion properly disclaimed ...
  38. 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 ...
  39. How long does an IRA beneficiary have to take an RMD after the IRA holder dies?

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

    Let's suppose the IRA holder, we'll call him Tom, dies in 2008. If Tom was required to take a required minimum distribution ...
  40. I have several CDs in my IRA with different maturities. Can I roll them over to another ...

    I have several CDs in my IRA with different maturities. Can I roll them over to another ...

    The limitation on rollovers applies on a per IRA basis. In general, if an IRA is involved in an IRA-to-IRA rollover, it cannot ...
  41. 6 Ways To Maximize The Value Of Your 401(k)

    6 Ways To Maximize The Value Of Your 401(k)

    From matching employer contributions to proper asset allocation, we'll tell you how to get the most out of your plan.
  42. 4 IRA Changes That Encourage Savings

    4 IRA Changes That Encourage Savings

    Find out what's new in the world of IRAs and how you can get more bang for your buck.
  43. Capital Gains Tax Cuts For Middle Income Investors

    Capital Gains Tax Cuts For Middle Income Investors

    Find out how TIPRA plans to slash taxes for those in the 10-15% tax bracket.
  44. Non-Cash Contribution Rules Could Cut Returns

    Non-Cash Contribution Rules Could Cut Returns

    Higher standards for certain contributions could mean smaller deductions for you.
  45. Downshift To Simplify Your Life

    Downshift To Simplify Your Life

    Learn how to ditch the rat race with voluntary simple living.
  46. Benchmark To Show Winning Returns

    Benchmark To Show Winning Returns

    You can't win if you don't keep score. Read on to learn how to measure your returns.
  47. 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 ...
  48. Can I, without tax penalties, use the IRA I inherited from my father to buy a home ...

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

    If you inherited an IRA from someone who was not your spouse at the time he/she died, the amounts that you receive as a distribution ...
  49. My Traditional IRA has been converted to a Roth IRA. Can I still make a qualified ...

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

    If you converted the funds less than five-years ago, you will not be able to meet the qualified distribution requirements. ...
  50. Can a person who is retired continue to fund an IRA?

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

    For the purposes of contributing to an IRA, compensation (i.e. earned income) does not include income from a pension, an ...
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