FAQs tagged as

Life Stage - Retirement

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  1. Why were 401(k) plans created?

  2. What is the penalty for taking money out of my 401(k) before I'm 59 years old?

  3. Can I still set up an SEP if one of my employees refuses to participate?

  4. I want to close my IRA account. What percentage will I lose to tax?

  5. I am starting a limited liability company (LLC). I will be the sole member. Can I ...

  6. I have some stocks in a taxable account. Can I use them to fund my Roth IRA instead ...

  7. I earn more than the income limit for both a Roth and Traditional IRA deduction. ...

  8. I have a small business, and I'm considering setting up an SEP IRA. What are leased ...

  9. If I participate in my company’s SIMPLE IRA plan, can I also contribute to ...

  10. Is there a limit on how much I can move from my IRA to my Roth IRA?

  11. I am a first-time home buyer. If I take a distribution from my 401(k) to purchase ...

  12. Can I contribute to both a 401(k) and an IRA?

  13. If a company undergoes an acquisition can an employee withdraw 401(k) funds tax free?

  14. Are the distribution rules for 401(k) and 403(b) plans the same as those for IRA ...

  15. My spouse has little/no income. Can I contribute to my spouse's IRA?

  16. I work for two companies. How much can I contribute to each company's SIMPLE IRA?

  17. Is it possible to reverse an IRA? I received a QDRO and owe money to my ex-husband. ...

  18. Earnings within a Roth IRA are tax free, so are these earnings included in the modified ...

  19. Are any special forms or documents required when transferring an IRA/SEP/SIMPLE to ...

  20. My daughter would like to use some of her Roth IRA to pay for some current tuition ...

  21. Can an employer adopt a different type of retirement plan for each employee?

  22. Is it easier to save for retirement if you start earlier in life? Can I make up for ...

  23. Is my 403(b) account owned by me or by the institution?

  24. Can I close my existing Roth IRA and invest in a new Roth IRA at a different financial ...

  25. If there are two plans and one is terminated, creating a distributable event, can ...

  26. Are my IRAs secure against possible liens?

  27. I overcontributed to my Roth, then lost half of this money to the market. Does the ...

  28. What should you do when you're five years from retiring?

  29. What are the differences between a 401K and an IRA?

  30. How do I retire?

  31. What are Government Pension Offsets, and who is subject to them?

  32. How do you plan for retirement if you have multiple employers? Can you combine retirement ...

  33. I have a 403(b) from a old employer. I would like to convert it to a 401(k). How ...

  34. Which investment would be most suitable for a client investing for retirement and ...

  35. How do 401(k) loans work?

  36. A lot of retirement projections seem to assume an 8% rate of return. Is this realistic?

  37. Should a Canadian citizen who lives and works in the U.S. continue to contribute ...

  38. How do I use a conduit IRA?

  39. We are in a 401(k) at work. Can we also do a Roth each year? If we can, can it also ...

  40. Is a person an active participant in an employer-sponsored retirement plan if he ...

  41. What are the penalties for withdrawing from my Traditional IRA less than a year after ...

  42. Am I entitled to any of my ex-spouse's retirement plan benefits?

  43. What happens when someone is given the golden boot?

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

  45. If I roll my annuity into an IRA and receive after-tax distributions, will this be ...

  46. Can I roll my SEP IRA into a Traditional IRA or should I convert to a Roth?

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

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

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

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

  51. Can I roll my 403(b) and 457 into other low-cost venders when I change jobs?

  52. Can I leave my pension to my spouse when I pass away?

  53. I'm about to retire. If I pay off my mortgage with after-tax money I have saved, ...

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

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

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

  57. Will I incur a tax penalty when making withdrawls from my IRA in excess of my SEPP?

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

  59. Can I roll over a profit-sharing plan to an SEP IRA account without suffering any ...

  60. Are there tax penalties for closing my Roth IRA account?

  61. I want to purchase a five-year period certain single premium immediate annuity (SPIA) ...

  62. What's the difference between a savings account and a Roth IRA?

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

  64. I have several CDs in my IRA with different maturities. Can I roll them over to another ...

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

  66. I made involuntary contributions to a retirement plan while temporarily employed. ...

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

  68. I have just been laid off. Can I use my 401(k) for living expenses now and report ...

  69. What are the exceptions to the early distribution penalty for a non-qualified Roth ...

  70. Why should investors pick less risky investments as they approach retirement?

  71. I'm a teacher. Which is better for me, a 401(k) or 403(b)? What is the difference? ...

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

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

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

  75. I have two Roth IRAs, one of which has a balance that is much less than the total ...

  76. What is the difference between a ROTH, SEP and Traditional IRA?

  77. What kinds of investments are allowed in a qualified retirement plan, and what kinds ...

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

  79. My certificate of deposit (CD) has just matured and I plan to contribute $10,000 ...

  80. I participate in a profit-sharing plan at work. If I retire at age 62, will I be ...

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

  82. Can I contribute to my company-sponsored 401(k) after the company's year-end but ...

  83. What is the difference between a Keogh and an IRA?

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

  85. My husband has become eligible for a 401(k) plan (with no matching contribution) ...

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

  87. Can my spouse and I combine our Traditional IRAs?

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

  89. Can you have a 403(b) and also contribute to a 401(k)?

  90. Which amount should the brokerage use for the 1099-R?

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

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

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

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

  95. I make over $100,000/yr and my adjusted gross income precludes standard IRA contributions. ...

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

  97. I just learned that my 2004 and 2005 Roth IRA contributions are not allowed because ...

  98. Do I have to continue SEPPs for an inherited IRA?

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

  100. What are some common and useful retirement planner designations? Are they expensive ...

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