Retirement

  1. The Reverse Mortgage: A Retirement Tool

    The Reverse Mortgage: A Retirement Tool

    Discover another way to fund your retirement without having to make payments on a loan.
  2. Downshift To Simplify Your Life

    Downshift To Simplify Your Life

    Learn how to ditch the rat race with voluntary simple living.
  3. 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.
  4. Health-y Savings Accounts

    Health-y Savings Accounts

    HSAs can provide a new way to save for retirement and medical expenses.
  5. 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    High-cost, outdated plans can prevent your retirement portfolio from thriving.
  6. 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 ...
  7. 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 ...
  8. Can I fund a Traditional IRA, a 403(b) or a Roth IRA using pension money? I'm 56 ...

    Can I fund a Traditional IRA, a 403(b) or a Roth IRA using pension money? I'm 56 ...

    Generally, for purposes of contributing to IRAs, 403(b)s and other retirement accounts, compensation is defined as income ...
  9. 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 ...
  10. 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 ...
  11. 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.
  12. 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 ...
  13. 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, ...
  14. How can I make sure that past IRS errors have been corrected?

    How can I make sure that past IRS errors have been corrected?

    It depends. If these were Traditional IRA contributions, they may be reflected on your tax return. Otherwise, you may ask ...
  15. I have several jobs. Can I contribute the maximum to multiple employer retirement ...

    I have several jobs. Can I contribute the maximum to multiple employer retirement ...

    It depends. A question such as this requires detailed information in order to provide a helpful response. Here is a general ...
  16. I didn't earn any income this year. Can I still contribute to a Roth?

    I didn't earn any income this year. Can I still contribute to a Roth?

    Wages from past years can't be used as a basis for making contributions to a Roth in the current year. In order to establish ...
  17. I just opened an IRA. What can I do to help my money grow?

    I just opened an IRA. What can I do to help my money grow?

    For individuals who are just starting to save, certificates of deposit can be a good place to start, but the interest rates ...
  18. 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.
  19. 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.
  20. 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.
  21. Money Can't Buy Retirement Bliss

    Money Can't Buy Retirement Bliss

    Emotional snags can ruin your future happiness. Learn how you can avoid them.
  22. Are You Saving Too Much?

    Are You Saving Too Much?

    "Spend now! Don't worry about retirement," say some experts. Could they possibly be right?
  23. 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 ...
  24. 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.
  25. 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 ...
  26. 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 ...
  27. I am retiree, drawing from my 403(b) annuity. I am the sole employee of my own business. ...

    I am retiree, drawing from my 403(b) annuity. I am the sole employee of my own business. ...

    It depends. If your business is unincorporated, and you have net earnings from self-employment, you are eligible to establish ...
  28. Skipping-Out on Probate Costs

    Skipping-Out on Probate Costs

    Don't let bad estate planning lead to unnecessary costs and stress for your inheritors.
  29. Can the non-spouse beneficiary of an IRA name a successor beneficiary?

    Can the non-spouse beneficiary of an IRA name a successor beneficiary?

    Whether the beneficiary of an individual retirement account (IRA) can name a successor beneficiary (second generation beneficiary) ...
  30. 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 ...
  31. IRA Contributions: Eligibility And Deadlines

    IRA Contributions: Eligibility And Deadlines

    Use this checklist for contribution requirements to make your payments on time.
  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 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 ...
  34. I am in the second year of taking SEPP distributions from my IRA. Can I transfer ...

    I am in the second year of taking SEPP distributions from my IRA. Can I transfer ...

    The most recent guidance issued by the IRS and the Treasury Department is Revenue Ruling 2002-62. There is some disagreement ...
  35. Should I start taking my RMD based on the amount in my account when I turn 70.5?

    Should I start taking my RMD based on the amount in my account when I turn 70.5?

    Because your balance may have changed from December 31 to the date you reach age 70.5, using that balance may result in an ...
  36. 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 ...
  37. Can You Retire In Five Years?

    Can You Retire In Five Years?

    The countdown is on. Find out whether you'll be ready to leave the working world.
  38. Journey Through The 6 Stages Of Retirement

    Journey Through The 6 Stages Of Retirement

    Financial planning is important, but emotional planning is the key to retiree bliss.
  39. Cut Your Tax Bill

    Cut Your Tax Bill

    Paying your bills early or giving an extra donation now can help you come tax time.
  40. 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.
  41. 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. ...
  42. 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 ...
  43. 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 ...
  44. 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 ...
  45. 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 ...
  46. Can I give stock as a gift?

    Can I give stock as a gift?

    Stocks, bonds or any other securities can be transferred as gifts. Giving the gift of stock also has benefits for the giver. ...
  47. 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.
  48. I recently and accidentally established a Roth IRA for my spouse instead of myself ...

    I recently and accidentally established a Roth IRA for my spouse instead of myself ...

    Don't feel too badly. We all make mistakes. The good news is that you may have some time to make the proper corrections.The ...
  49. 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 ...
  50. Are the deferred earnings in a SIMPLE IRA subject to FICA taxes?

    Are the deferred earnings in a SIMPLE IRA subject to FICA taxes?

    While salary deferral contributions to a savings incentive match plan for employees of small employers (SIMPLE) IRAs and ...
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