Retirement FAQs

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

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

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

  4. Can I use my IRA to pay for my college loans?

  5. How to avoid paying taxes on Social Security income

  6. How does an IRA grow over time?

  7. Can you borrow from a Vanguard 401(k)?

  8. How to convert a 403(b) from an old employer to a 401(k)

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

  10. What to do after you've overcontributed to your 401(k)

  11. Can a variable annuity be rolled into an IRA?

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

  13. Where to save for retirement after maxing out your Roth IRA

  14. How is Social Security tax calculated?

  15. How are non-qualified variable annuities taxed?

  16. Are 401(k) contributions tax deductible?

  17. Why an employer might delay 401(k) distributions – and what to do about it

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

  19. Are Roth 401(k) plans matched by employers?

  20. Why is Social Security running out of money?

  21. What are the Roth 401(k) contribution limits?

  22. Is my IRA or Roth IRA FDIC-Insured?

  23. How can I put my IRA in a trust?

  24. Can I contribute to both a 401(k) and an IRA?

  25. How to withdraw money from your 401(k)

  26. How to receive Social Security benefits when retiring outside the U.S.

  27. How to calculate a present value of annuity in Excel

  28. Does Canada have Social Security numbers?

  29. Are 401(k) withdrawals considered income?

  30. Annuities: Present value versus future value

  31. How to calculate penalties on an IRA or Roth IRA early withdrawal

  32. How to take a distribution from a 401(k) to purchase a house

  33. When to apply for Social Security retirement benefits

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

  35. The difference between a 401(a) and a 401(k)

  36. 401(k) vs. Roth IRA

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

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

  39. Can dividends be paid out monthly?

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

  41. How to use money from a profit-sharing plan for a house down payment

  42. Which of the Following Accounts Does ERISA Cover?

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

  44. The Differences Between 401(k) and 403(b) Plans

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

  46. Do tax brackets include Social Security?

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

  48. Are Social Security benefits taxable after age 62?

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

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

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

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

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

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

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

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

  57. 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?

  58. 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?

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

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

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

  62. How do I retire?

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

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

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

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

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

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

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

  70. How soon should I start saving for retirement?

  71. Do 401(k) savings earn interest?

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

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

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

  75. Are SIMPLE IRA plans subject to ERISA?

  76. Who is eligible for Canada Pension Plan benefits?

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

  78. How are IRA withdrawals taxed?

  79. How are variable annuities regulated?

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

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

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

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

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

  85. How liquid are variable annuities?

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

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

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

  89. Why were 401(k) plans created?

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

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

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

  93. Do retirement account withdrawals affect tax brackets?

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

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

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

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

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

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

  100. Are estate planning fees tax deductible?

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