FAQs tagged as

Retirement

  1. How Can I Fund A Roth IRA If My Income Is Too High To Make Direct Contributions?

  2. If I don't have any kids and want to leave all of my worldly possessions to my dog, how would I do it?

  3. How do I list the beneficiaries of my life insurance policies if I have a trust?

  4. Are 401(k) loans taxed?

  5. What pension benefits are available to military personnel?

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

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

  8. How do I retire?

  9. I want to transfer my house title to my child, what are the costs and tax consequences of doing so?

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

  11. How do you plan for retirement if you have multiple employers? Can you combine retirement plans from multiple employers?

  12. My daughter would like to use some of her Roth IRA to pay for some current tuition fees and loans. Can she do this without a penalty?

  13. I have a 403(b) from a old employer. I would like to convert it to a 401(k). How can I do that?

  14. Our broker switched firms in the middle of 2011. As a result we lost track of our required minimum distribution (RMD) amounts and ended up withdrawing much more than our RMD. Is there a way to defer some of the withdrawal to 2012 to avoid the tax liabilit

  15. What happens during the consolidation phase of an investor's life cycle?

  16. How can I start an IRA for my child?

  17. What is the difference between qualified and non-qualified plans?

  18. Which investment would be most suitable for a client investing for retirement and seeking protection from purchasing power risk in the future?

  19. The reason why ERISA qualified plans should have an investment policy statement is to:

  20. How do 401(k) loans work?

  21. What are the exceptions to the premature withdrawal penalty rules for IRA accounts?

  22. Can I refuse a gift by providing a "Qualified Disclaimer," and what does this entail?

  23. I have a profit-sharing plan with my former employer. I am now trying to buy a home. Can I use my profit-sharing money to put a down payment on a house?

  24. When is it a good idea to use an irrevocable life insurance trust?

  25. What does a "5 by 5" power in a trust document mean?

  26. How does an employer benefit from a 401(k) matching plan?

  27. Why is accidental life insurance so inexpensive?

  28. Should I collect early Social Security?

  29. What is the "stretch IRA" concept?

  30. What are the pros/cons of naming a trust as the beneficiary of a retirement account?

  31. Does it make sense to convert a Traditional IRA to a Roth when the market’s down?

  32. What is the difference between early retirement and full retirement as it applies to Social Security retirement benefits?

  33. All of the following are allowable deductions used in determining taxable estate EXCEPT

  34. If my spouse passes away, will I have to sell my home to meet creditor obligations?

  35. When is the best time to purchase long-term care insurance?

  36. What documents should I have ready in case my partner or I should die?

  37. Which of the following accounts does ERISA cover?

  38. What is the "three-legged stool"?

  39. What is pension maximization?

  40. Is it wise to put an IRA account into a fixed or variable annuity?

  41. Which statement(s) is/are FALSE about market risk?

  42. What is long-term care?

  43. What are activities of daily living (ADL)?

  44. Why should I invest in the market when I can buy and sell houses or cars?

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

  46. Should a Canadian citizen who lives and works in the U.S. continue to contribute to a RRSP account?

  47. I overcontributed to my Roth, then lost half of this money to the market. Does the 6% penalty apply to my original contribution, or only what's left of it?

  48. What is cliff vesting?

  49. How do I use a conduit IRA?

  50. We are in a 401(k) at work. Can we also do a Roth each year? If we can, can it also be deducted from our taxes?

  51. Do I still have to pay penalties and taxes on money that I don't roll over from a DROP fund?

  52. Is a person an active participant in an employer-sponsored retirement plan if he or she was only active for a short time?

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

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

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

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

  57. Are there special benefits for U.S. armed forces personnel?

  58. Why should I bother creating a budget?

  59. What should I consider when I select an executor for my will?

  60. Can I roll a Traditional IRA into a 529 college account for my grandchild?

  61. I do not want to totally get out of my retirement 401(k), but I want to take 72(t) distributions. What should I consider?

  62. Can an IRA be used as security for a loan?

  63. My recently deceased spouse's IRA has been rolled over into mine. Does the cost basis change for me?

  64. Can the non-spouse beneficiary of an IRA name a successor beneficiary?

  65. What are some common and useful retirement planner designations? Are they expensive or difficult to obtain?

  66. If an employee covered by a SIMPLE leaves his employer within the two-year period and his new employer doesn't have a SIMPLE, what happens to the plan? Can the employee roll it over without penalty, or keep it at the old company until the two years expire

  67. My spouse is the primary beneficiary of my IRA. I also have a contingent beneficiary. Can my spouse still transfer my IRA assets tax-free to her own IRA?

  68. I have some stocks in a taxable account. Can I use them to fund my Roth IRA instead of using cash?

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

  70. When am I not required to submit a social security number on my tax return?

  71. How does online banking assist with budgeting?

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

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

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

  75. Can I move my IRA to a better income-producing opportunity?

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

  77. I am 52 years old and wish to make a withdrawal from my 401(k) plan. Is there any way I can avoid having to pay additional tax on the grounds of hardship - e.g. unemployment?

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

  79. What procedure applies to a taxpayer who made excess contributions for 2001, 2002, 2003 and 2004 and has neither withdrawn the excess and the earnings for 2001-2003, nor recharacterized 2004 to a Traditional IRA? How are multiple years such as this to be

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

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

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

  83. What are the exceptions to the early distribution penalty for a non-qualified Roth IRA distribution?

  84. Can a creditor seize my retirement savings?

  85. What is estate planning?

  86. If I pass away, will my retirement plan go to my spouse tax free?

  87. Can I pull out most of my assets from my IRA and use the cash as long as I replace it in the IRA within a year?

  88. I am a teacher in a public school system and I don't presently have a 403(b) plan, but I do have some money in a Roth IRA and also a self-directed IRA. Can I roll my IRA funds into a newly opened 403(b) plan, since I am presently employed by the school sy

  89. I plan to retire in March 2005 at the age of 59.75. When and what percentage or dollar amount can I start withdrawing from my SIMPLE IRA account?

  90. Once substantially equal periodic payments (SEPP) of an IRA have started, is the payment fixed each year, or does it fluctuate with interest rates? Can payments be monthly?

  91. How do my siblings and I receive inherited pension benefit payments from our deceased parent?

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

  93. Where can I find information on multiple annual additions for someone employed by more than one unaffiliated company?

  94. I inherited a Roth IRA. What are my options for taking distributions from the account?

  95. After receiving a required distribution when and how are my taxes affected?

  96. What's the best kind of IRA for a 20-something?

  97. Can I close my existing Roth IRA and invest in a new Roth IRA at a different financial institution without a tax penalty?

  98. I'm about to retire. If I pay off my mortgage with after-tax money I have saved, I can save 6.5%. Should I do this?

  99. Does participation in a 401(k) plan prevent an individual from contributing to a Traditional IRA?

  100. What do you do for a non-spouse beneficiary receiving a required minimum distribution (RMD) when the plan terminates? Is the purchase of an annuity the only option? Any thoughts on whether an IRA could be opened?

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