Results for "individual retirement accounts (IRAs)"

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Lawmakers want to reform rules around RMDs

September 18, 2018

Washington is eyeing an update to rules around required minimum distributions, which could result in big changes for financial advisers' retiree clients in the near future. Two retirement bills winding their way through Congress' legislative...

Last chance to undo a Roth conversion

September 7, 2018

The new tax law ended Roth recharacterizations, effective for conversions done in 2018 and later years. However, there is still a window of opportunity to reverse 2017 Roth conversions. But that window is closing quickly: The last day to recharacterize...

Advisers back Trump's directive to ease distribution rules for retirement accounts

August 31, 2018

Investment advisers support President Donald J. Trump's effort to allow people to keep money in their retirement accounts longer. This afternoon at an event in Charlotte, N.C., Mr. Trump will sign an executive order directing the Treasury Department...

Trump administration hypocrisy on retirement security

September 6, 2018

Is President Donald J. Trump a hypocrite when it comes to retirement security? His actions certainly suggest so. On Aug. 31, Mr. Trump signed an executive order meant to strengthen retirement security by expanding access to workplace retirement...

Crypto craze puts retirement savings at risk

August 29, 2018

The Securities and Exchange Commission last week rejected nine separate schemes to create the world's first bitcoin exchange-traded fund, which would open the door to investing in cryptocurrency in retirement accounts. This follows the SEC's...

Small businesses face a big retirement challenge

July 17, 2018

Here is an amazing statistic: Small businesses account for 99.7% of all U.S. firms and employ more than half of all American workers, according to the Small Business Administration. Collectively, small businesses drive the economy, but many...

Are Roth conversions after 70½ advisable? 5 factors to consider

August 9, 2018

The biggest benefit of a Roth conversion of an individual retirement account is the tax-free compounding over time. Those who are over age 70½ obviously have less time to make the upfront tax cost of a Roth conversion worth the benefit, given...

Advisers home in on HENRYs overlooked by banks, retirement-plan providers

August 15, 2018

Banks and retirement-plan providers are missing the mark when it comes to capturing an attractive client segment of younger high earners who haven't yet reached wealthy status — and it's creating an opportunity for financial advisers. The...

Pensions are the new tax dodge, especially for rich business owners

August 15, 2018

There's one area where the traditional pension plan is getting new life: as a tax dodge for wealthy business owners. Pensions, also known as defined-benefit plans, can be used by doctors, law partners and wealth managers to stash hundreds of...

Can inherited IRAs be split in a divorce?

July 16, 2018

Can an inherited individual retirement account be split in a divorce? No one knows for sure, but it's already happening. This is a new phenomenon, and it may signal a developing trend in future divorce agreements, especially in light of the...

Where does the proposed indexing of capital gains leave retirement accounts?

August 1, 2018

There has been talk in Congress about indexing capital gains for inflation. This talk was largely under the radar until this week, when the story hit the front page of the New York Times. Its story says that the White House might try to make...

Efforts to help gig economy workers save for retirement gaining ground

July 10, 2018

With a sizable portion of American workers doing temporary, contract or on-demand work, the pressure is on everyone — companies, policymakers, the retirement industry and workers themselves — to figure out ways to make them better prepared...

DOL fiduciary rule death leaves 401(k) advisers in legal 'grey area' with rollovers

August 9, 2018

It's no secret that the broad financial industry despised the Department of Labor fiduciary rule. The regulation, which lived a short while before dying in court, upended the status quo with respect to retirement savers, cracking down on brokers'...

State auto-IRA programs poised to catch advisers' attention

March 13, 2018

The first state auto-IRA plan is up and running. OregonSaves, which launched last year, has more than 19,000 individuals and 300 companies participating. What does this mean for financial advisers? Oregon's foray into the retirement arena is...

Roth conversions can boost Medicare premiums

May 22, 2018

The Tax Cut and Jobs Act of 2017 created generally lower tax rates for 2018 through 2025, presenting an enticing opportunity to convert traditional retirement savings to Roth accounts at today's lower rates. Under current law, individual income...

New rules for a 21st century retirement

April 2, 2018

A 21st century retirement needs a new set of rules to provide financial and emotional security for a post-career period that can last 30 years or more. "Rewirement: Rewiring the Way Your Think About Retirement," a new book by professor Jamie...

A global call to modernize retirement systems

May 29, 2018

Worrying about the future of retirement is not a uniquely American concern. It is a global phenomenon. Almost half of today's workers and retirees worldwide believe that future generations of retirees will be worse off than those currently in...

Taxpayer lobbying group sues to kill California automatic retirement savings plan

June 4, 2018

A taxpayer lobbying organization sued to halt implementation of the California Secure Choice Retirement Savings program, a new state defined contribution plan for private-sector workers that do not have access to a tax-favored retirement plan....

IRA assets will almost double those in 401(k) plans over next five years

June 25, 2018

Assets in individual retirement accounts are likely to grow to almost twice the amount held in 401(k) plans over the next five years, according to an industry analyst. IRA assets are projected to swell to $12.6 trillion by the end of 2022, according...

What the 5th Circuit decision doesn't do

April 3, 2018

By now, you have probably heard about the decision by the 5th Circuit Court of Appeals. In a nutshell, it threw out the fiduciary rule and the prohibited transaction exemptions that accompanied the rule (including the best-interest contract...

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