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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

  85. Can a creditor seize my retirement savings?

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

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

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

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

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

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

  92. Can I establish more than one IRA?

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

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

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

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

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

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

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

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

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