Retirement

  1. Letter Of Instruction - Don't Leave Life Without It

    Letter Of Instruction - Don't Leave Life Without It

    This simple document can take the guesswork and headache out of settling your estate.
  2. 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 ...
  3. Can an IRA beneficiary roll the IRA over into another account and designate another ...

    Can an IRA beneficiary roll the IRA over into another account and designate another ...

    It depends on the provision of the IRA plan document. Some (though very few) do not allow the designation of successor beneficiaries. ...
  4. Recharacterizing Your IRA Contribution Or Roth Conversion

    Recharacterizing Your IRA Contribution Or Roth Conversion

    Learn why you might make such a transaction and find out how to calculate how it will affect you.
  5. A Look At IRA Separate Accounting Rules

    A Look At IRA Separate Accounting Rules

    If you are a younger multiple beneficiary, make sure you understand the RMD regulations.
  6. 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.
  7. As a temporary resident of the US, can I withdraw funds from my Traditional IRA without ...

    As a temporary resident of the US, can I withdraw funds from my Traditional IRA without ...

    Should you decide to invest in a Traditional IRA and receive a tax deduction for your contribution, the amounts that you ...
  8. If I am entitled according to my divorce decree to a percentage of my ex-husband's ...

    If I am entitled according to my divorce decree to a percentage of my ex-husband's ...

    In order to have your portion of the IRA assets transferred to you (i.e. into your name), you should contact your husband's ...
  9. Can investment real estate be purchased within an IRA and, if so, are there any pitfalls?

    Can investment real estate be purchased within an IRA and, if so, are there any pitfalls?

    Investment real estate can be purchased with an IRA provided the investment does not violate the prohibited transaction rules.An ...
  10. My spouse and I now earn more than the dual-income limit specified by our IRAs. What ...

    My spouse and I now earn more than the dual-income limit specified by our IRAs. What ...

    The amounts that you contributed while your modified adjusted gross income (MAGI) was within the statutory limits will not ...
  11. Can my spouse and I combine our Traditional IRAs?

    Can my spouse and I combine our Traditional IRAs?

    No. IRAs cannot be maintained as joint accounts. One key indicator is the label - IRA stands for individual retirement account. ...
  12. 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 ...
  13. Is an employee eligible for an SEP if the plan has already been set up for other ...

    Is an employee eligible for an SEP if the plan has already been set up for other ...

    It depends. The employee should meet not only the service requirements, but the age and compensation requirements as well. ...
  14. Lump Sum Versus Regular Pension Payments

    Lump Sum Versus Regular Pension Payments

    If you're about to retire, you may be facing this dilemma soon. Find out what your options are.
  15. Failing Health Could Drain Your Retirement Savings

    Failing Health Could Drain Your Retirement Savings

    You may not be able to prevent illness, but it doesn't have to infect your savings.
  16. What's Your Net Worth Telling You?

    What's Your Net Worth Telling You?

    Net worth provides a road map for retirement - learn if you're headed in the right direction.
  17. When am I not required to submit a social security number on my tax return?

    When am I not required to submit a social security number on my tax return?

    When filing your tax return, you are generally required to include the social security numbers of yourself and the individuals ...
  18. Pension Law Could Reduce Your Payout

    Pension Law Could Reduce Your Payout

    Discover how this act negatively affects your lump-sum withdrawals.
  19. 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.
  20. 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.
  21. My company is the trustee of our 401k plan (which has 112 participants). What are ...

    My company is the trustee of our 401k plan (which has 112 participants). What are ...

    The answer may vary depending on the plan provider and the provisions of the plan document. For questions relating to a specific ...
  22. I failed to distribute an inherited 401(k) that was found in an audit. What happens ...

    I failed to distribute an inherited 401(k) that was found in an audit. What happens ...

    The party responsible for paying the penalty in such cases will be the beneficiary of the 401(k) plan. You may want to start ...
  23. 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 ...
  24. Mistakes In Designating A Retirement Beneficiary

    Mistakes In Designating A Retirement Beneficiary

    Make sure your beneficiary designations not only reflect your intentions but also meet the requirements to be effective. ...
  25. 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 ...
  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. Can I establish more than one IRA?

    Can I establish more than one IRA?

    There is no limit on the number of IRAs that you can establish. However, regardless of the number of IRAs you maintain, you ...
  28. I stopped distributions from my retirement account while under Rule 72(t). Will this ...

    I stopped distributions from my retirement account while under Rule 72(t). Will this ...

    If an individual modifies a substantially equal periodic payment (SEPP), including discontinuing the SEPP before the end ...
  29. What will happen to my SEP IRA if I leave my current employer?

    What will happen to my SEP IRA if I leave my current employer?

    Because the funding vehicle for the SEP is a Traditional IRA, the same transfer and rollover rules that apply to a Traditional ...
  30. 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 ...
  31. Can I hold non-dollar currencies in my retirement fund?

    Can I hold non-dollar currencies in my retirement fund?

    Yes. You would need to find a financial institution that can facilitate these currencies in a retirement account. Many are ...
  32. Invest In Your Education With An RESP

    Invest In Your Education With An RESP

    All Canadians should know the benefits of these flexible education savings plans.
  33. The Demise Of The Defined-Benefit Plan

    The Demise Of The Defined-Benefit Plan

    Experts are making bleak predictions for your post-work years. Be prepared and plan for your future.
  34. Why should I bother creating a budget?

    Why should I bother creating a budget?

    Creating and using a budget is a valuable tool for all demographics; it's not just for those who need to closely monitor ...
  35. Downshift To Simplify Your Life

    Downshift To Simplify Your Life

    Learn how to ditch the rat race with voluntary simple living.
  36. 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.
  37. 401(k) Plans For The Small Business Owner

    401(k) Plans For The Small Business Owner

    If you own a business, this may be the plan for you! Find out about its benefits and eligibility requirements.
  38. 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.
  39. A Multipurpose Future Planning Tool

    A Multipurpose Future Planning Tool

    Overfunded variable universal life insurance policies can be an all-in-one financial solution.
  40. 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.
  41. 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.
  42. My old company offers a 401(k) plan and my new employer only offers a 403(b) plan. ...

    My old company offers a 401(k) plan and my new employer only offers a 403(b) plan. ...

    It depends. While the regulations do allow rollover of assets between 401(k) plans and 403(b) plans, employers are not required ...
  43. What types of plans allow catch-up contributions?

    What types of plans allow catch-up contributions?

    Catch-up contributions can only be made to plans with salary deferral features.If you want to make catch-up contributions, ...
  44. If I am no longer employed, can I roll over a 403(b) plan into an IRA?

    If I am no longer employed, can I roll over a 403(b) plan into an IRA?

    Now that you are no longer working with the (former) employer that established your 403(b) account, you may roll your 403 ...
  45. Can a spouse who is not named as a beneficiary receive assets from an IRA?

    Can a spouse who is not named as a beneficiary receive assets from an IRA?

    It depends.Generally speaking, the designation of beneficiary form dictates who receives the assets from the individual retirement ...
  46. How can I reduce the taxes on my inherited retirement assets?

    How can I reduce the taxes on my inherited retirement assets?

    Many beneficiaries miss out on one of the most significant tax deductions for inherited retirement-plan assets; the income ...
  47. Can either a SEP IRA or a SIMPLE IRA be attached in a bankruptcy or malpractice action, ...

    Can either a SEP IRA or a SIMPLE IRA be attached in a bankruptcy or malpractice action, ...

    State law determines whether or not an IRA, including SEP, SIMPLEs and Roth IRAs, can be attached in any bankruptcy proceedings, ...
  48. 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 ...
  49. I am making after-tax contributions to an IRA. Will I get taxed again when I withdraw ...

    I am making after-tax contributions to an IRA. Will I get taxed again when I withdraw ...

    No. Withdrawals of your after-tax contributions to your IRAs should not be taxed. However, the only way to make sure this ...
  50. What are the rules and reporting requirements  for a rollover of a required minimum ...

    What are the rules and reporting requirements for a rollover of a required minimum ...

    An RMD may be transferred between IRAs, but it may not be rolled over once distributed. If the RMD amount is rolled over ...
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