Retirement

  1. Chipping Away At The Pension Freeze Trend

    Chipping Away At The Pension Freeze Trend

    Learn five steps that'll put your retirement back into your own hands.
  2. Burdening Your Retirement With A Mortgage

    Burdening Your Retirement With A Mortgage

    Carrying this debt can have benefits if done correctly, but is it worth the risk?
  3. Immediate Annuities: Guaranteed Payout At A Price?

    Immediate Annuities: Guaranteed Payout At A Price?

    This vehicle can have very low, or even negative, rates. Find out when it pays to invest.
  4. CDIC Protects Canadians From Bank Failure

    CDIC Protects Canadians From Bank Failure

    Bank failures can happen in Canada, but many deposits are insured. Find out what's covered.
  5. Who qualifies as

    Who qualifies as "single" for tax or retirement purposes when spouses do not live ...

    For the purposes of taking a deduction for an IRA contribution, the IRS provides special allowances for individuals who are ...
  6. 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 ...
  7. 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 ...
  8. Can my spouse and I convert our IRAs to Roth IRAs regardless of earned income?

    Can my spouse and I convert our IRAs to Roth IRAs regardless of earned income?

    You may be eligible to convert your Traditional IRA to a Roth IRA regardless of whether you have earned income. However, ...
  9. 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 ...
  10. 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 ...
  11. What procedure applies to a taxpayer who made excess contributions for 2001, 2002, ...

    What procedure applies to a taxpayer who made excess contributions for 2001, 2002, ...

    If the IRA owner filed his/her 2004 tax return by the due date, including any extensions, he/she receives an automatic six-month ...
  12. Should I put money into a retirement account even if it isn't tax deductible?

    Should I put money into a retirement account even if it isn't tax deductible?

    One of the biggest and most often-touted advantages of putting money into a retirement account is the tax savings that come ...
  13. I withdrew funds from my Roth IRA to contribute elsewhere. How will I be taxed?

    I withdrew funds from my Roth IRA to contribute elsewhere. How will I be taxed?

    If you close the Roth IRA now and withdraw the balance, you will be taxed on the earnings unless the distribution is qualified. ...
  14. Do I have to continue SEPPs for an inherited IRA?

    Do I have to continue SEPPs for an inherited IRA?

    You may discontinue the payments. Once the person who is taking the substantially equal periodic payment (SEPP) dies or becomes ...
  15. 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 ...
  16. How does online banking assist with budgeting?

    How does online banking assist with budgeting?

    Setting up online banking can make a personal budget easier to manage through the use of multiple accounts or expense categories ...
  17. Top 7 Social Security Myths: Exposed

    Top 7 Social Security Myths: Exposed

    A look at several myths that surround Social Security benefits.
  18. 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. ...
  19. 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.
  20. 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.
  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. 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.
  23. High-Risk Retirement Portfolio Not Always Taboo

    High-Risk Retirement Portfolio Not Always Taboo

    Find out how much risk your portfolio can take and whether your money will last.
  24. Must-Know Rules For Converting A 401(k) To A Roth

    Must-Know Rules For Converting A 401(k) To A Roth

    In 2008, the IRS spelled out the details for converting employer-plan funds directly to Roth IRAs.
  25. Common Risks That Can Ruin Your Retirement

    Common Risks That Can Ruin Your Retirement

    These unexpected bumps can sideline your post-work plans and prevent you from riding out your assets.
  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. 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 ...
  28. I am a teacher in a public school system and I don't presently have a 403(b) plan, ...

    I am a teacher in a public school system and I don't presently have a 403(b) plan, ...

    If you establish a 403(b) account under the school's 403(b) plan, you may roll the Traditional IRA assets to the 403(b) account. ...
  29. I plan to retire in March 2005 at the age of 59.75. When and what percentage or dollar ...

    I plan to retire in March 2005 at the age of 59.75. When and what percentage or dollar ...

    Congratulations on retiring at the young age of 59! You may withdraw assets from your SIMPLE IRA at any time, and there is ...
  30. Once substantially equal periodic payments (SEPP) of an IRA have started, is the ...

    Once substantially equal periodic payments (SEPP) of an IRA have started, is the ...

    Typically, if you withdraw assets from an IRA or a qualified retirement plan sponsored by your employer while under the age ...
  31. 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 ...
  32. Who bears the investment risk in 401(k) plans?

    Who bears the investment risk in 401(k) plans?

    Who actually bears the investment risk in a pension plan depends on the type of pension plan that is employed. In a broad ...
  33. Can my spouse and I use our IRAs to purchase our first home?

    Can my spouse and I use our IRAs to purchase our first home?

    IRA owners can make penalty-free distributions to buy a first home for themselves, their spouses, children, grandchildren ...
  34. 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 ...
  35. Can a creditor seize my retirement savings?

    Can a creditor seize my retirement savings?

    Whether a creditor can seize your retirement savings will depend on the type of account in which you are holding your retirement ...
  36. 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 ...
  37. 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.
  38. 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.
  39. Making Spousal IRA Contributions

    Making Spousal IRA Contributions

    Eligibility requirements, contribution limits and tax deductions all change with one little ring.
  40. 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.
  41. 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.
  42. 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.
  43. 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 ...
  44. 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.
  45. New Option For Beneficiaries: Reversionary Annuities

    New Option For Beneficiaries: Reversionary Annuities

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

    The Impact Of Recession On Businesses

    Find out how this economic cycle affects both small and big business.
  47. 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.
  48. 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 ...
  49. 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 ...
  50. 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 ...
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    YouTube's Partner Program helps users earn money through their channels. Find out how.
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    In spite of the rewards going public can bring, some companies prefer to remain private, and they are very successful in this.
  5. Is Cyber Monday The New Black Friday?

    Cyber Monday is becoming more popular than Black Friday. Here's why.
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