Retirement FAQs

  1. What rate of return should I expect on my 401(k)?

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

  3. What's the difference between a 401(k) and a Roth IRA?

  4. When am I eligible to receive Social Security benefits?

  5. Do tax brackets include Social Security?

  6. Are Social Security payments included in the US GDP calculation?

  7. Can I use my 401(k) to pay for my college loans?

  8. Are Social Security benefits taxable after age 62?

  9. What does the American Dream mean to different generations?

  10. What are the steps to applying for a Canada Pension Plan (CPP)?

  11. I'm having trouble getting my former employer to distribute my 401(k) plan balance to a rollover. Can you tell me the reasons why an employer might delay distributions and if thereis a government agency I could contact to encourage the distribution?

  12. Are dividends the best way to make money for retirement?

  13. What are the main differences between Social Security Benefits and Social Security Income (SSI)?

  14. How do Pay As You Go pension plans work?

  15. Can I get both military and Social Security benefits?

  16. Who manages the assets in a Roth 401(k) account?

  17. Is a Thrift Savings Plan (TSP) a qualified retirement plan?

  18. My wife and I both converted our Traditional IRAs to Roth IRAs over a decade ago and have invested the maximum allowed each year since. We're buying our first home soon. Do we both qualify for one-time, tax-free, $10,000 distributions?

  19. 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?

  20. Can I take my 401(k) to buy a house for my children?

  21. What does a sample plan using the 4% retirement rule look like?

  22. What are the top Social Security scams targeted at the elderly?

  23. How do I retire?

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

  25. How can I increase my standard of living in my retirement years?

  26. When is a Roth 401(k) better than a traditional 401(k)?

  27. Is there a minimum I have to contribute to my 401(k) plan?

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

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

  30. Can I roll my 401(k) and/or IRA funds into a more liquid investment fund without penalty?

  31. How soon should I start saving for retirement?

  32. Does the five-year rule apply if a non-spouse inherits an IRA after the required beginning date and the required minimum distribution is not satisfied in the year of death?

  33. Do 401(k) savings earn interest?

  34. Can a 401(k) be used for a house down payment?

  35. What is the difference between revocable and irrevocable intervivos trusts?

  36. How does the notion of the American Dream influence the U.S. economy?

  37. Are SIMPLE IRA plans subject to ERISA?

  38. What happens to my 401(k) plan if I switch jobs?

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

  40. Are 401(k) withdrawals considered income?

  41. Are variable annuities subject to required minimum distribution (RMD)?

  42. How do you calculate a present value of annuity using Excel?

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

  44. How can I avoid paying taxes on my Social Security income?

  45. Who is eligible for Canada Pension Plan benefits?

  46. Do 401k contributions reduce AGI and/or MAGI?

  47. How are IRA withdrawals taxed?

  48. How are variable annuities regulated?

  49. What are the differences between a Registered Retirement Savings Plan (RRSP) and a Registered Pension Plan (RPP)?

  50. Why is Social Security running out of money?

  51. Can I roll a traditional IRA into a 529 college account for my grandchild?

  52. Can I fund a Traditional IRA, a 403(b) or a Roth IRA using pension money?

  53. How do I calculate the future value of an annuity?

  54. What is the difference between portfolio management and financial planning?

  55. Is a Simplified Employee Pension (SEP) IRA tax deductible?

  56. What is the 'three-legged stool'?

  57. How liquid are variable annuities?

  58. What are the best ways to use your 401(k) without a penalty?

  59. How do I report Simple IRA contributions on a W2?

  60. How does taxation on life insurance for a qualified retirement plan work?

  61. Why were 401(k) plans created?

  62. Can a spouse who is not named as a beneficiary receive assets from an IRA?

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

  64. How are Social Security benefits affected by your income?

  65. Will I have to pay taxes on my 401(k) plan if I quit my job?

  66. Can I put my IRA in a trust?

  67. 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?

  68. Are Social Security survivor benefits for children considered taxable income?

  69. Can dividends be paid out monthly?

  70. How do you withdraw money from your 401(k)?

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

  72. If a stock is delisted, do shareholders still own the stock?

  73. Do retirement account withdrawals affect tax brackets?

  74. Does Canada have Social Security numbers?

  75. Can I take my 401(k) in a lump sum?

  76. What is the difference between an inter vivos trust and a testamentary trust?

  77. What are Social Security Credits for and how can I earn them?

  78. Can I use my 401(k) as a collateral for a loan?

  79. What is the difference between a revocable trust and a living trust?

  80. How can I get a 'pensionado' visa to retire in Costa Rica?

  81. Are my Social Security benefits reduced if I receive extra pensions from different sources?

  82. What does 'full retirement age' mean in regards to Social Security?

  83. Are estate planning fees tax deductible?

  84. What are the financial benefits of retiring in the Philippines?

  85. What does it mean if my 401(k) plan has been frozen?

  86. My old company offers a 401(k) plan and my new employer only offers a 403(b) plan. Can I roll over the money in the 401(k) plan to this new 403(b) plan?

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

  88. How is cost basis calculated on an inherited asset?

  89. What are the IRS guidelines on the 401(a)?

  90. What happens when a will and a revocable trust conflict?

  91. How do pay-as-you-go pension plans work?

  92. 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

  93. Will I pay taxes on my Social Security payouts?

  94. Are 401(k) contributions tax deductible?

  95. How are non-qualified variable annuities taxed?

  96. How is Social Security tax calculated?

  97. What would privatized Social Security mean for Americans?

  98. Do I need an employer to set up a 401(k) plan?

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

  100. How can I receive my Social Security benefits if I want to retire outside the U.S?

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