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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

  45. Can investment real estate be purchased within an IRA and, if so, are there any pitfalls?

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

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

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

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

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

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

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

  53. Can a creditor seize my retirement savings?

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

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

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

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

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

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

  60. Can I establish more than one IRA?

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

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

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

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

  65. I understand that I can withdraw from a 401k the year I turn 55 without the 10% penalty ...

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

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

  68. I am making after-tax contributions to an IRA. Will I get taxed again when I withdraw ...

  69. What are the tax consequences of a Roth IRA distribution if the IRA holder is younger ...

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

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

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

  73. I overcontributed to my 401(k). What are my options?

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

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

  76. Can I roll over my IRA assets to a sheltered Canadian plan?

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

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

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

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

  81. I am only 17 years old. I don't have a job or pay taxes. Can I contribute to an IRA? ...

  82. Can I roll the funds in an SEP-IRA over to a profit-sharing plan or self-directed ...

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

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

  85. Can I add my higher income spouse's name to my Roth IRA in order to raise our contribution ...

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

  87. I have two jobs. Can I contribute to two SIMPLE IRA plans?

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

  89. My spouse and I now earn more than the dual-income limit specified by our IRAs. What ...

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

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

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

  93. What are some of the features and benefits of SEP IRAs and Roth IRAs?

  94. My wife and I both converted our Traditional IRAs to Roth IRAs in Dec 1998 and have ...

  95. I am 52 years old and wish to make a withdrawal from my 401(k) plan. Is there any ...

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

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

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

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

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

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