Retirement

  1. 10 Retirement-Wrecking Moves

    10 Retirement-Wrecking Moves

    Don't let these common mistakes put a crack your nest egg.
  2. Need Retirement Income? Sell Your House!

    Need Retirement Income? Sell Your House!

    Discover 10 tips for making a quick sale and a healthy profit.
  3. 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 ...
  4. Should You Put Your Faith In A Trust?

    Should You Put Your Faith In A Trust?

    Many institutions want a piece of your portfolio, but trusts can provide a one-stop shop.
  5. 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.
  6. Health-y Savings Accounts

    Health-y Savings Accounts

    HSAs can provide a new way to save for retirement and medical expenses.
  7. 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    High-cost, outdated plans can prevent your retirement portfolio from thriving.
  8. 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 ...
  9. 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 ...
  10. 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.
  11. Estate Planning For Canadians

    Estate Planning For Canadians

    Trusts, wills, taxes and rules differ by country. Find out what you need to know about estate plans in Canada.
  12. 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 ...
  13. How can a trust lower federal transfer tax liability?

    How can a trust lower federal transfer tax liability?

    A trust is an arrangement in which an individual or entity controls property or funds on behalf of someone else without actually ...
  14. Top 8 Estate Planning Mistakes

    Top 8 Estate Planning Mistakes

    Proper planning will help ensure that your wishes are honored and your heirs are well cared for.
  15. 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.
  16. 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 ...
  17. 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 ...
  18. 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 ...
  19. 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 ...
  20. 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 ...
  21. 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.
  22. 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 ...
  23. 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 ...
  24. 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.
  25. Leaving Inheritance To Children Easier Said Than Done

    Leaving Inheritance To Children Easier Said Than Done

    Consider your own retirement needs when deciding whether to leave an inheritance.
  26. If I pass away, will my retirement plan go to my spouse tax free?

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

    If your spouse is the designated beneficiary of your retirement plan, the assets will pass to him or her tax free. The general ...
  27. If an IRA owner dies after starting required minimum distributions (RMD) but the ...

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

    If the IRA owner dies after the required beginning date (RBD) and his/her beneficiary is his/her spouse, the spouse beneficiary ...
  28. What should I consider when I select an executor for my will?

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

    The executor of a will is the person designated with the task of administering the will's instructions. The responsibilities ...
  29. 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.
  30. 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 ...
  31. 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 ...
  32. 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.
  33. 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 ...
  34. 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 ...
  35. 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 ...
  36. 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.
  37. I participate in a profit-sharing plan at work. If I retire at age 62, will I be ...

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

    The money in your profit-sharing account will be taxable when it is withdrawn from the account. You may leave the money in ...
  38. Cut Your Tax Bill

    Cut Your Tax Bill

    Paying your bills early or giving an extra donation now can help you come tax time.
  39. Is Your 401(k) On Track?

    Is Your 401(k) On Track?

    Small adjustments can have a significant impact on your returns. Learn what to watch for.
  40. 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. ...
  41. 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 ...
  42. How do I sign up for the saver's tax credit?

    How do I sign up for the saver's tax credit?

    The saver's tax credit is a non-refundable tax credit available to eligible taxpayers in the U.S. who make contributions ...
  43. 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.
  44. Saving Money With A Private Annuity Trust

    Saving Money With A Private Annuity Trust

    Learn about a strategy that could help you reduce taxes, diversify your portfolio and generate income.
  45. 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.
  46. 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 ...
  47. 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. ...
  48. What is estate planning?

    What is estate planning?

    Estate planning involves making plans for the transfer of your estate after death. Your estate is all the property that you ...
  49. 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 ...
  50. 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 ...
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    Cyber Monday is becoming more popular than Black Friday. Here's why.
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