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FAQs tagged as

Retirement

  1.

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

  2. 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?

  3. 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

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

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

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

  7. I want to purchase a five-year period certain single premium immediate annuity (SPIA) with my IRA account. I'm 53. Will the 10% penalty apply?

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

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

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

  11. Health problems caused me to take my RMD after the deadline. Can I appeal my case to the IRS?

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

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

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

  15. 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?

  16. I made involuntary contributions to a retirement plan while temporarily employed. Can I withdraw these funds without penalty?

  17. My mother inherited my father's IRA. When she died, I received an account application listing me as the beneficiary, as well as notice that my brother and I will have to take my mom's required distribution. My brother is nowhere to be found. How should I

  18. Is it easier to save for retirement if you start earlier in life? Can I make up for what I don't save now by contributing more later on?

  19. I have several jobs. Can I contribute the maximum to multiple employer retirement plans?

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

  21. How can I reduce the taxes on my inherited retirement assets?

  22. I want to roll over a portion of my retirement plan with my employer and I have been advised to ask for separate checks to account for pre- and after-tax amounts. What does this mean?

  23. What types of plans allow catch-up contributions?

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

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

  26. My company is the trustee of our 401k plan (which has 112 participants). What are the pros and cons of having the company instead of the plan provider/vendor as the trustee?

  27. Can an individual contribute to both a Roth IRA and a Traditional IRA in the same year?

  28. Can I borrow from an IRA without penalty?

  29. Upon my death, will the beneficiaries of my IRA be compelled to take the entire amount in the IRA as ordinary income, forcing them into unusually high income tax brackets?

  30. What is the difference between a Traditional and a Roth IRA?

  31. I didn't record my Traditional IRA contributions. Is there a website that lists IRA contribution limits for past years?

  32. I own a small business. Can the SBO-401(k) work for me?

  33. Can high-income earners deduct yearly defined-benefit plan contributions of over $100,000?

  34. How do I get credit for my retirement plan contributions?

  35. If there are two plans and one is terminated, creating a distributable event, can loans in the terminated plan be rolled over?

  36. What effect will a prenuptial agreement have on a 401(k)?

  37. How can I get information about my deceased husband's retirement account if his employer withholds it?

  38. How do I "vest" something?

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