Retirement FAQs

  1. What is the maximum I can contribute to my 401(k) plan?

  2. How can I make sure I get all my eligible deductions?

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

  4. I earn more than the income limit for both a Roth and Traditional IRA deduction. Should I contribute anyway?

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

  6. If I participate in my company's SIMPLE IRA plan, can I also contribute to another IRA in order to receive a larger tax deduction?

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

  8. Are the distribution rules for 401(k) and 403(b) plans the same as those for IRA plans?

  9. Can a simplified employee pension (SEP) IRA be converted to a Roth IRA in the same manner that a Traditional IRA can?

  10. I have a small business (LLC), which I operate part-time. I also work full time for a company and am enrolled in a 401(k) plan. Am I still eligible to make contributions to an individual 401(k) from earnings of my part-time LLC?

  11. My spouse has little/no income. Can I contribute to my spouse's IRA?

  12. If a company undergoes an acquisition can an employee withdraw 401(k) funds tax free?

  13. I am in my mid thirties and have nothing invested for retirement. Is it too late to start contributing for a retirement plan?

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

  15. Should I collect early Social Security?

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

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

  18. Is it possible to reverse an IRA? I received a QDRO and owe money to my ex-husband. Is it possible to reverse the QDRO, which was put into a CD Traditional IRA account, without incurring any type of penalty?

  19. My husband left his ex-wife as his retirement plan beneficiary. Can this be changed?

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

  21. 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?

  22. What pension benefits are available to military personnel?

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

  24. Is my 403(b) account owned by me or by the institution?

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

  26. 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?

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

  28. 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?

  29. What are the requirements that a trust needs to meet to be qualified?

  30. Are my IRAs secure against possible liens?

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

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

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

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

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

  36. How do I know if I qualify to open a HSA (Health Savings Account)?

  37. What happens to insurance policies and variable annuities if the insurance company itself goes bankrupt - do the policyholders get anything out of it?

  38. My variable annuity account took a beating. Should I seek other alternatives?

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

  40. Should I pull my money out of an annuity if the insurance company is having financial problems?

  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. What was the first company with a $1 billion market cap?

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

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

  47. What was the millionaire boom?

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

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

  52. What is estate planning?

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

  54. If I am entitled according to my divorce decree to a percentage of my ex-husband's IRA, how can I receive the assets due to me into my own IRA without being taxed? Will he be taxed when he makes the transfer? Will the money he may have to pay in taxes the

  55. What are the rules and reporting requirements for a rollover of a required minimum distribution (RMD)?

  56. I am over 60 years old and have a Roth IRA to which I have made contributions for more than five years. Are all distributions tax free?

  57. If a trust is named as the beneficiary of an IRA, can the trustee of that trust become the beneficiary without the IRA owner signing the Change of Beneficiary form?

  58. I retired and transferred part of my pension distribution to a Roth IRA. If I am over 55, do I still qualify for the age 55 exemption?

  59. 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?

  60. My 80-year-old mother used her Roth IRA assets to make an $11,000 annual gift tax exclusion. Will these still be considered Roth IRA assets?

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

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

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

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

  65. 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

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

  67. Can I borrow from an IRA without penalty?

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

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

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

  71. I'm 70.5 and still working for my own company. Can I defer starting my required minimum distributions?

  72. I've heard some "market gurus" claim returns of up to 400% annually. Is this possible?

  73. Is an employee eligible for an SEP if the plan has already been set up for other employees?

  74. I am in the second year of taking SEPP distributions from my IRA. Can I transfer some of the funds to a new IRA with different investment options?

  75. Is my non-qualified Roth IRA distribution subject to taxes or early distribution penalties?

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

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

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

  79. I have several CDs in my IRA with different maturities. Can I roll them over to another institution with a better rate as they mature?

  80. I am 61 years old and would like to contribute to my employer's 401(k) plan. Is there an age limit?

  81. Can an IRA beneficiary roll the IRA over into another account and designate another beneficiary?

  82. When should I take my Canadian Pension Plan distributions?

  83. Why should investors pick less risky investments as they approach retirement?

  84. I've heard that workers who don't roll over their 401(k)s after retiring face some problems related to estate planning. I was told it was some type of final 2002 government regulation. Is this true?

  85. My husband has a 401(k) account which is 100% vested with an $8,000 balance. We are in foreclosure and need a hardship withdrawal. The investment management company which handles my husband's account says we can't withdraw anything because we have not con

  86. Can I convert non-deductible contributions made to my Traditional IRA to a Roth IRA without being taxed?

  87. What kinds of investments are allowed in a qualified retirement plan, and what kinds are forbidden?

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

  89. What are the income limits for Roth IRA contributions?

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

  91. 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?

  92. I have two jobs. Can I contribute to two SIMPLE IRA plans?

  93. I am 59 (not 59.5) and my husband is 65. We have participated in a SIMPLE IRA with our company for more than two years. Can we convert the SIMPLE IRA to a Roth IRA? If we can convert, do we have to pay tax on the SIMPLE IRA money placed in the Roth? Are t

  94. Can I establish more than one IRA?

  95. Can either a SEP IRA or a SIMPLE IRA be attached in a bankruptcy or malpractice action, or are they safe from any financial judgments like these?

  96. What are some of the features and benefits of SEP IRAs and Roth IRAs?

  97. I work for a university, and I have a 403(b) with TIAA-CREF. But TIAA-CREF says I cannot transfer money to another provider. Can they prevent me from transferring my money to a better investment?

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

  99. How does online banking assist with budgeting?

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

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