Retirement

  1. 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 ...
  2. 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.
  3. Deducting Losses On Your IRA Investments

    Deducting Losses On Your IRA Investments

    In regular accounts in which taxes are not deferred, losses on investments can be included on your tax return. Find out how. ...
  4. 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.
  5. 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.
  6. 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.
  7. The Top 3 Retiree Worries (And What To Do About Them)

    The Top 3 Retiree Worries (And What To Do About Them)

    Discover the most common problems retirees face, and what they can do to solve them.
  8. New Option For Beneficiaries: Reversionary Annuities

    New Option For Beneficiaries: Reversionary Annuities

    This vehicle can provide survivors with guaranteed income and lower premiums.
  9. The Impact Of Recession On Businesses

    The Impact Of Recession On Businesses

    Find out how this economic cycle affects both small and big business.
  10. Run Your Personal Finances Like A Business

    Run Your Personal Finances Like A Business

    The principles that contribute to success in business can also help you achieve your financial goals.
  11. 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 ...
  12. Does participation in a 401(k) plan prevent an individual from contributing to a ...

    Does participation in a 401(k) plan prevent an individual from contributing to a ...

    No. An individual's participation in an employer-sponsored plan (including a 401(k) plan) does not affect his or her ability ...
  13. What do you do for a non-spouse beneficiary receiving a required minimum distribution ...

    What do you do for a non-spouse beneficiary receiving a required minimum distribution ...

    Unfortunately, a non-spouse beneficiary is not allowed to rollover assets from a qualified plan. Therefore, purchasing an ...
  14. I am 59 (not 59.5) and my husband is 65. We have participated in a SIMPLE IRA with ...

    I am 59 (not 59.5) and my husband is 65. We have participated in a SIMPLE IRA with ...

    During the first two years after a SIMPLE IRA is established, assets held in the SIMPLE IRA must not be transferred or rolled ...
  15. I'm an 80 year old making increasing required minimum distribution (RMD) tax payments. ...

    I'm an 80 year old making increasing required minimum distribution (RMD) tax payments. ...

    First, some background information: the tax treatment of a Roth IRA distribution depends on whether or not the distribution ...
  16. What is the best retirement plan option for a physician with her own practice, employees ...

    What is the best retirement plan option for a physician with her own practice, employees ...

    It is very unlikely that you will find a qualified plan or an IRA-based plan that will allow the employer to exclude other ...
  17. 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 ...
  18. Can I have a self-directed IRA or Roth IRA using the forex market?

    Can I have a self-directed IRA or Roth IRA using the forex market?

    In the U.S., one of the best ways for individuals to protect their income from taxes and save for retirement is by using ...
  19. 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 ...
  20. I inherited a Roth IRA. What are my options for taking distributions from the account?

    I inherited a Roth IRA. What are my options for taking distributions from the account?

    It depends. Generally, if you are the spouse of the Roth IRA owner and you are the sole primary beneficiary, you may treat ...
  21. After receiving a required distribution when and how are my taxes affected?

    After receiving a required distribution when and how are my taxes affected?

    Any taxable amount of the distribution will represent ordinary income for the year that the distribution occurs and will ...
  22. What's the best kind of IRA for a 20-something?

    What's the best kind of IRA for a 20-something?

    There probably is no 100% correct answer here, but let's break it down. Suppose that you are 23, you've been working for ...
  23. 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.
  24. Making Spousal IRA Contributions

    Making Spousal IRA Contributions

    Eligibility requirements, contribution limits and tax deductions all change with one little ring.
  25. It's December - Do You Know Where Your IRA Statements Are?

    It's December - Do You Know Where Your IRA Statements Are?

    Don't discard these important documents with your junk mail - they may affect your taxes.
  26. 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.
  27. Unexpected 1099-R Form: What To Do

    Unexpected 1099-R Form: What To Do

    Did your IRA custodian report distributions you thought were non-reportable? Find out what went wrong.
  28. The Rap On Wrap Fees For Retirement Accounts

    The Rap On Wrap Fees For Retirement Accounts

    If your retirement account is managed under a wrap fee program, you need to consider whether you should pay the fee out of ...
  29. 5 Retirement Plan Moves To Make Before Year-End

    5 Retirement Plan Moves To Make Before Year-End

    Make sure all your loose ends are tied with these simple reminders and tips for your plans.
  30. 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.
  31. 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.
  32. 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.
  33. 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.
  34. What are the income limits for Roth IRA contributions?

    What are the income limits for Roth IRA contributions?

    The 2007 and 2008 income limits for Roth IRA contributions are as follows: Situations 2007 2008 Individuals who are married ...
  35. 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 ...
  36. Can I borrow from an IRA without penalty?

    Can I borrow from an IRA without penalty?

    Yes. A 60-day rollover rule applies to all types of IRAs. This 60-day rollover rule allows you to withdraw assets from your ...
  37. Are there tax penalties for closing my Roth IRA account?

    Are there tax penalties for closing my Roth IRA account?

    You can close your Roth IRA account without negative consequences if your total account balance is less than the accumulated ...
  38. 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 ...
  39. 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 ...
  40. 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 ...
  41. I am rolling my 401(k) into an IRA. After a year, can I convert this amount to a ...

    I am rolling my 401(k) into an IRA. After a year, can I convert this amount to a ...

    There is no provision in the tax law that would allow anyone to convert taxable funds and treat it as a tax-free transaction, ...
  42. 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 ...
  43. 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 ...
  44. 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.
  45. IRA Contributions: Eligibility And Deadlines

    IRA Contributions: Eligibility And Deadlines

    Use this checklist for contribution requirements to make your payments on time.
  46. Get Ready For The Estate Tax Phase-Out

    Get Ready For The Estate Tax Phase-Out

    Changes to federal legislation will affect how your assets are treated once you're gone - be prepared.
  47. Need Retirement Income? Sell Your House!

    Need Retirement Income? Sell Your House!

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

    A Multipurpose Future Planning Tool

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

    The Gatekeepers: Consultants Hold The Key

    Institutional investment consultants help match up asset managers with large institutions.
  50. 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.
Save Money
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    Cyber Monday is becoming more popular than Black Friday. Here's why.
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