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

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

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

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

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

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

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

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

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

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

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

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

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

  27. Are my IRAs secure against possible liens?

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

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

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

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

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

  49. If I am entitled according to my divorce decree to a percentage of my ex-husband's ...

  50. Is divorce an exception to the SIMPLE IRA's two-year waiting period rule?

  51. I am 61 years old and would like to contribute to my employer's 401(k) plan. Is there ...

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

  53. I want to roll over a portion of my retirement plan with my employer and I have been ...

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

  55. Can I establish more than one IRA?

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

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

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

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

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

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

  62. I'm an 80 year old making increasing required minimum distribution (RMD) tax payments. ...

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

  64. I retired and transferred part of my pension distribution to a Roth IRA. If I am ...

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

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

  67. Can a person who is retired continue to fund an IRA?

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

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

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

  71. Do I need to hit my 401(k) contribution limit before I can begin making catch-up ...

  72. Can a creditor seize my retirement savings?

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

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

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

  76. Can I have a self-directed IRA or Roth IRA using the forex market?

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

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

  79. Is it permissible for a 70-year-old person to buy an IRA?

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

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

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

  83. I deducted my IRA contribution on my tax return but failed to transfer the funds. ...

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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