Retirement Planning

  1. Do beneficiaries of a trust pay taxes?

    Beneficiaries of a trust typically pay taxes on distributions from the trust's income, but not on distributions from the ...
  2. Succession Planning

    Succession planning is the strategy for passing on leadership roles and often the ownership of a company to an employee or ...
  3. Dry Closing

    A dry closing is a real estate closing in which the entire closing requirements are fulfilled except the disbursement of ...
  4. Second-To-Die Insurance

    Second-to-die insurance is a type of life insurance on two people that provides benefits to the beneficiaries only after ...
  5. Certain And Continuous

    Certain and continuous is a type of annuity that guarantees a number of payments, even if the annuitant dies.
  6. Reverse Mortgage or Home-Equity Loan?

    If you have equity in your home and need more cash in retirement, a reverse mortgage – or home-equity loan or line of credit ...
  7. Can I Get a Loan Against My Pension?

    Avoid taking out an advance against your pension. Interest on these loans is high and you could end up taking a huge tax ...
  8. Non-Qualified Plan

    A non-qualified plan is a tax-deferred, employer-sponsored retirement plan that falls outside of employee retirement income ...
  9. Designating a minor as an IRA beneficiary

    Leaving an IRA to minors can be a complicated procedure. Make sure you understand how your gift will be distributed, managed ...
  10. Trustee

    A trustee is a person or firm that holds or administers property or assets for the benefit of a third party.
  11. When a 401(k) hardship withdrawal makes sense

    If you've exhausted all other avenues, there are ways to withdraw funds before age 59½ – sometimes without the 10% penalty ...
  12. When are Beneficiaries of a Will Notified?

    Learn when the beneficiaries of a will must be notified, and understand how this requirement varies depending on whether ...
  13. How To Make Your First $1 Million

    It is easier to become a millionaire now than at any time before. While you won't be buying islands, it is still a goal worth ...
  14. Millennials Need More Than $1 Million to Retire

    While your parents or grandparents may have been able to retire on $1 million, it's not going to be enough for Millennials. ...
  15. How much Millennials need to save to retire comfortably

    Millennials may not be worrying about retirement just yet, but they should be thinking about how much they'll need to save.
  16. Near or over 65? Use these retirement planning tips

    Find out how to save smarter after 65.
  17. Can I use my 401(k) as collateral for a loan?

    Understand more about how 401(k) accounts work, and learn whether it is possible to use a 401(k) account as collateral for ...
  18. Can I use my IRA to pay for my college loans?

    Learn about how to use your IRA retirement savings to pay for your college loans, including how to avoid the 10% early withdrawal ...
  19. Qualified Terminable Interest Property (QTIP) Trust

    A qualified terminable interest property (QTIP) is an irrevocable trust that enables a grantor to provide for a surviving ...
  20. Analysis: Should you get a gold IRA?

    Yes, you can invest in actual gold or other precious metals for your IRA. See the special rules for gold IRAs and what to ...
  21. Keogh Plan

    A Keogh plan is a tax-deferred pension plan available to self-employed individuals or unincorporated businesses for retirement ...
  22. Net Unrealized Appreciation - NUA

    The net unrealized appreciation (NUA) is the difference in value between the average cost basis and current market value ...
  23. Using an LLC for Estate Planning

    An LLC is a powerful tool for estate planning. By establishing a family LLC, parents can distribute assets to their children ...
  24. Bank Insurance

    Bank insurance is a guarantee by the Federal Deposit Insurance Corporation (FDIC) of deposits in a bank.
  25. Insurance Grace Period

    An insurance grace period is a defined amount of time after the premium is due in which a policyholder can make a premium ...
  26. Safe Deposit Box

    A safe deposit box is usually located inside a bank and is used to store valuables.
  27. Mortality And Expense Risk Charge

    A mortality and expense risk charge is a variable annuity fee that compensates insurance companies for risks and expenses ...
  28. Hurricane Deductible

    A hurricane deductible is the amount a homeowner must pay before insurance will cover the damage caused by a hurricane.
  29. Insurance Risk Class

    An insurance risk class has similar characteristics, which are used to determine risks of underwriting a policy and the premium ...
  30. Long-Tail Liability

    A long-tail liability is a type of liability that carries a long settlement period.
  31. Accumulated Value

    Accumulated value is the total amount an investment currently holds, including the capital invested and interest earned to ...
  32. Policy Loan

    A policy loan is issued by an insurance company that uses the cash value of a person's life insurance policy as collateral.
  33. Can you borrow from a Vanguard 401(k)?

    Learn how Vanguard allows its 401(k) participants to take loans against their account with specific borrowing provisions ...
  34. How to convert a 403(b) from an old employer to a 401(k)

    The IRS says that you can roll a 403(b) plan into a 401(k) plan, provided your employer permits it.
  35. Required Minimum Distribution - RMD

    A required minimum distribution (RMD) is the amount of money required by law that must be withdrawn from certain retirement ...
  36. Rule 72(t)

    Rule 72 (t), issued by the Internal Revenue Service, allows for penalty-free withdrawals from an IRA account and specified ...
  37. Defined-Contribution Plan

    A defined-contribution plan is a retirement plan in which a certain amount of money is set aside annually for enrolled employees ...
  38. Life insurance versus annuity

    There are certain scenarios in which investing in insurance is a savvy move. But expect a big chunk of your money to go toward ...
  39. Trust Company

    A trust company is a legal entity that acts as fiduciary, agent or trustee on behalf of a person or business entity.
  40. How to rollover your 401(k) to a new employer

    You CAN take it with you. Here's exactly what you need to know about 401(k) rollovers.
  41. Why an employer might delay 401(k) distributions – and what to do about it

    There may be legitimate explanations for a delay, but you must be given an explanation in writing.
  42. Power of attorney: When you need one

    Having a power of attorney ensures that you select who will act for you when you are unable to handle your affairs. Without ...
  43. Transfer On Death - TOD

    A transfer on death (TOD) designation allows beneficiaries to receive bequeathed assets without going through probate.
  44. Income In Respect Of A Decedent - IRD

    Income in Respect of a Decedent (IRD) is untaxed income that a decedent earned or was meant to receive before death.
  45. Family Limited Partnership - FLP

    A Family Limited Partnership (FLP) allows family members to own shares of a family business while securing estate and gift ...
  46. Primary Beneficiary

    A primary beneficiary is the first person in line to receive distributions from a trust or retirement account such as a 4 ...
  47. Can I use my 401(k) to pay for my college loans?

    Find out how to use your 401(k) retirement savings to fund your college education, including the basics of hardship withdrawals ...
  48. What are the Roth 401(k) contribution limits?

    Understand the current contribution limits for designated Roth 401(k) accounts, including additional allowable payments for ...
  49. Dual Income, No Kids - DINKS

    When two partners in a household both work and have no children, it is called "dual income, no kids."
  50. Is my IRA or Roth IRA FDIC-Insured?

    Understand how the Federal Deposit Insurance Corporation protects certain accounts, and learn if traditional and Roth IRAs ...
Hot Definitions
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    A moving average indicator developed by Richard Donchian. It plots the highest high and lowest low over the last period time ...
  2. Consumer Price Index - CPI

    A measure that examines the weighted average of prices of a basket of consumer goods and services, such as transportation, ...
  3. Moving Average - MA

    A moving average (MA) is a widely used indicator in technical analysis that helps smooth out price action by filtering out ...
  4. Stop Order

    A stop order is an order to buy or sell a security when its price increases past a particular point in order to limit losses ...
  5. Inflation

    The rate at which the general level of prices for goods and services is rising and, consequently, the purchasing power of ...
  6. Candlestick

    A chart that displays the high, low, opening and closing prices for a security for a single day. The wide part of the candlestick ...
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