Results for "individual retirement accounts (IRAs)"

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DOL fiduciary rule's 'grandfathering' exemption may be lost by changing firms

July 26, 2016

Advisers banking on “grandfathering” pre-existing investments in retirement accounts under the Labor Department's fiduciary rule may not be able to rely on the provision indefinitely. As it turns out, industry executives and regulatory experts...

RMDs can create future tax savings

July 22, 2016

On July 1, the first baby-boomer turned 70½, the first of tens of millions who will become subject to dreaded required minimum distributions, or RMDs, from their individual retirement accounts or company plans. The word “required” is upsetting...

Debt dims boomers' retirement prospects

July 18, 2016

What is the biggest difference between baby boomers' retirement and that of their parents? Many people would say disappearing pensions. But even in the heyday of traditional pensions in 1979, fewer than 40% of U.S. workers were covered by a...

Morningstar, American Retirement Association partner on fiduciary program

July 12, 2016

Morningstar Inc. and the American Retirement Association today announced a partnership on an upcoming fiduciary training program for advisers, to help address compliance concerns raised by a new Labor Department rule and any future regulatory...

Broker-dealers eye level commissions to reduce risk under DOL fiduciary rule

July 11, 2016

Broker-dealer executives are strongly considering a strategy whereby investment products with similar characteristics would have the same commission schedule as a way to reduce risk under a new Labor Department rule that raises investment advice...

Court date set for lawsuit against DOL fiduciary rule

July 7, 2016

A court date has been set for Market Synergy Group Inc.'s lawsuit targeting a Labor Department regulation raising investment advice standards in retirement accounts. A motion hearing is scheduled for Aug. 24 at 1 p.m. before District Judge Daniel...

DOL fiduciary rule gets it half right on the municipal bond market

July 7, 2016

While some modifications have been made, municipal-bond investors are still left in a potentially tight spot with regard to the Department of Labor's fiduciary rule. To its credit, the DOL seems to be listening to feedback with an open mind,...

Radio show host Ric Edelman rants about raging fiduciary battle

June 24, 2016

Seven years after the Treasury Department recommended in a financial reform report that brokers be held to a fiduciary standard, the industry is struggling to come to grips with it. The Securities and Exchange Commission “should be given new...

Indexed annuity distributors weigh launching B-Ds due to DOL fiduciary rule

June 23, 2016

Distribution networks representing independent insurance agents are weighing, and in some cases forging ahead with, plans to launch broker-dealers to continue selling fixed-indexed annuities in retirement accounts under the Labor Department's...

Congressional sit-in disrupted by failed attempt to override veto of anti-DOL fiduciary rule bill

June 23, 2016

The House of Representatives failed Wednesday night to override a presidential veto of a resolution that would kill a Labor Department investment advice regulation. The vote, which occurred around 10:30 p.m., was used by House Republicans to...

Jackson National's new variable annuity hints at annuities' future post-DOL fiduciary rule

June 21, 2016

Annuity behemoth Jackson National Life Insurance Co. is currently developing its first-ever fee-based variable annuity product, offering a hint as to where the annuity market could be headed due to the market shake-up caused by a new Labor Department...

Baby boomers reach required minimum distribution milestone for retirement accounts

June 20, 2016

The first of wave of baby boomers will hit an important milestone beginning July 1. Those earliest boomers born at the start of 1946 will turn 70½ in mid-summer, and will be followed at the rate of 10,000 people per day for the next 18 years....

Under new fiduciary rule, DOL has reason to pay attention to reverse churning

June 16, 2016

By my count, the Department of Labor's 1,000-plus page fiduciary rule makes only one obscure reference to “reverse churning.” But this subtle reference belies the issue's importance. The SEC and Finra have had this regulatory matter on their...

John Oliver lambasts U.S. retirement savings system, supports DOL fiduciary rule

June 13, 2016

Comedian John Oliver criticized the American retirement savings system and expressed bona fide support for the Labor Department's fiduciary rule on his HBO show Sunday night, calling out non-fiduciary brokers, high 401(k) fees and active management...

Who's keeping track of IRA basis?

June 10, 2016

When funds are withdrawn from an IRA or Roth IRA, the basis comes out tax-free, but who is tracking the basis information? Advisers can help. IRA basis is the funds in an IRA that already have been taxed, either as nondeductible IRA contributions...

TD's Skip Schweiss to RIAs: Don't shrug off DOL fiduciary rule

June 8, 2016

Registered investment advisers shrugging off the Labor Department's fiduciary rule are making a mistake. That's the message that Skip Schweiss, a managing director of adviser advocacy at TD Ameritrade Institutional, is trying to get across to...

Time to talk about financial wellness

June 5, 2016

Financial wellness is one of the hottest topics in the retirement industry today and at top of mind for many plan sponsors. Increased media focus on the retirement crisis, just within the past year alone, is heightening awareness that most people...

NAFA files second lawsuit against DOL fiduciary rule

June 3, 2016

A leading insurance trade group has filed a second lawsuit aimed at striking down a Labor Department rule to raise investment advice standards in retirement accounts. The move Thursday by the National Association of Fixed Annuities comes one...

Lawsuit against DOL fiduciary rule seen as 'weak' by some observers

June 2, 2016

Opponents have finally filed an anticipated lawsuit challenging the Labor Department's rule to raise investment advice standards for retirement accounts, but some observers say arguments levied against the regulation are flimsy and exaggerated....

To pay income taxes now or later, that is the IRA question

May 29, 2016

Prioritizing a traditional or Roth IRA account depends on many factors, most of which are related to an individual's current and expected future tax circumstances. Traditional IRAs and the default account in 401(k) plans allow contributions...

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