Retirement

  1. What are the

    What are the "certain requirements" that must be met for substantially equal periodic ...

    For substantially equal periodic payments (SEPPs), the distributions would occur from your IRA after you rollover the assets. ...
  2. 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 ...
  3. 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 ...
  4. Is my non-qualified Roth IRA distribution subject to taxes or early distribution ...

    Is my non-qualified Roth IRA distribution subject to taxes or early distribution ...

    The ordering rules must be applied to determine whether the distribution is subject to income taxes and/or the early distribution ...
  5. I'm worried about the economy and want to move my IRA funds from stocks and bonds ...

    I'm worried about the economy and want to move my IRA funds from stocks and bonds ...

    If you move you funds from stocks and bonds to cash, the movement will not be taxable. The money is taxable only if you take ...
  6. 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 ...
  7. 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.
  8. 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.
  9. 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?
  10. 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 ...
  11. 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.
  12. A Multipurpose Future Planning Tool

    A Multipurpose Future Planning Tool

    Overfunded variable universal life insurance policies can be an all-in-one financial solution.
  13. 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.
  14. 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.
  15. 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 ...
  16. 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, ...
  17. 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.
  18. Your Will: Why You Need A Power Of Attorney And Beneficiaries

    Your Will: Why You Need A Power Of Attorney And Beneficiaries

    What would happen if you were suddenly unable to manage your financial affairs? Preparation is the best protection.
  19. Get A Step Up With Credit Shelter Trusts

    Get A Step Up With Credit Shelter Trusts

    Don't let unexpected taxes eat away at your inheritance or burden your heirs.
  20. How do I go about opening up a Roth IRA?

    How do I go about opening up a Roth IRA?

    You may open Roth IRAs at most financial institutions, such as your local bank, your credit union, or brokerage firm. You ...
  21. 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 ...
  22. I didn't record my Traditional IRA contributions. Is there a website that lists  ...

    I didn't record my Traditional IRA contributions. Is there a website that lists ...

    Visit the Congressional Budget Office's Online Tax Guide, which summarizes IRA contribution limits and phase-out ranges for ...
  23. 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. ...
  24. Can I return funds to my Roth IRA after I have taken it as a distribution?

    Can I return funds to my Roth IRA after I have taken it as a distribution?

    Yes. You can roll over the amount to the Roth IRA, or another of your Roth IRAs (excluding inherited Roth IRAs), provided ...
  25. I am self-employed and do not need most of my IRA RMD for expenses. Can I reinvest ...

    I am self-employed and do not need most of my IRA RMD for expenses. Can I reinvest ...

    You can use your required minimum distributions (RMDs) to fund your Roth IRA as a Roth IRA contribution. This is because ...
  26. Need Retirement Income? Sell Your House!

    Need Retirement Income? Sell Your House!

    Discover 10 tips for making a quick sale and a healthy profit.
  27. 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 ...
  28. When should I take my Canadian Pension Plan distributions?

    When should I take my Canadian Pension Plan distributions?

    The Canadian Pension Plan (CPP) is a retirement program from which contributing Canadians may receive payments at the age ...
  29. 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.
  30. 8 Reasons To Never Borrow From Your 401(k)

    8 Reasons To Never Borrow From Your 401(k)

    Find out why dipping into your future savings can have serious consequences.
  31. Pay For A College Education With Retirement Funds

    Pay For A College Education With Retirement Funds

    These savings vehicles may be better than college saving funds for some families.
  32. Does It Still Pay To Invest In Gold?

    Does It Still Pay To Invest In Gold?

    This asset's appeal dates back thousands of years. Find out whether it can live up to the hype.
  33. 10 Steps To Retire A Millionaire

    10 Steps To Retire A Millionaire

    Making this dream come true takes work, but it's well worth the effort.
  34. The company I am working for said that 401(k) contribution can be based on only straight ...

    The company I am working for said that 401(k) contribution can be based on only straight ...

    The regulation (law) that addresses your specific question has not changed. However, both employers may be right. Here's ...
  35. My company has three partners but plans to hire more this year. Would we be better ...

    My company has three partners but plans to hire more this year. Would we be better ...

    It depends.The SBO-401(k) plan is suitable if the plan covers only the business owners - in this case, the partners in the ...
  36. 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.
  37. 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.
  38. 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 ...
  39. 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 ...
  40. 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.
  41. House Your Retirement With Self-Directed Real Estate IRAs

    House Your Retirement With Self-Directed Real Estate IRAs

    Investors are now able to invest directly in real property, mortgages and other assets.
  42. I have conservative views on investing. How should I go about investing in a Roth ...

    I have conservative views on investing. How should I go about investing in a Roth ...

    Most financial services institutions - such as banks, brokerage firms, credit unions and mutual fund companies - offer Roth ...
  43. 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 ...
  44. What is the five-year waiting rule for Roth IRAs?

    What is the five-year waiting rule for Roth IRAs?

    There are two five-year waiting periods that apply to Roth IRAs. However, in both cases, the waiting period for a Roth IRA ...
  45. 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 ...
  46. Can I return funds to my Traditional IRA after taking a distribution?

    Can I return funds to my Traditional IRA after taking a distribution?

    If you take a distribution from your Traditional IRA, you can roll over the amount to the same Traditional IRA or another ...
  47. 10 Retirement-Wrecking Moves

    10 Retirement-Wrecking Moves

    Don't let these common mistakes put a crack your nest egg.
  48. 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 ...
  49. 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 ...
  50. 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?
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