Results for "individual retirement accounts (IRAs)"

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Why private equity wants a piece of the RIA market

December 9, 2017

The secret is out: The independent financial advisory space is the hottest growth-investment strategy for deep-pocketed private investors. "We've seen private equity money ebb and flow over the years, but over the last few years we've seen a...

Tax reform: Retirement industry dodges bullet as Senate and House bills advance

November 17, 2017

The retirement industry can breathe a collective sigh of relief today as the House and Senate tax bills advance in their respective chambers. Despite all the doomsday talk relative to setting strict limits on pre-tax 401(k) contributions and...

IRS raises 2018 contribution limit for qualified plans to $18,500

October 19, 2017

The Internal Revenue Service has raised the contribution limits for employees who participate in 401(k), 403(b) and most 457 plans to to $18,500 in 2018, up from the current limit of $18,000. The IRS also increased the income ranges for determining...

Thank Richard Thaler for that bigger nest egg

October 10, 2017

If you have a 401(k) plan at work, there's a good chance that you're saving more for retirement because of Richard Thaler. The Nobel Prize for economics tries to recognize important research with far-ranging consequences — but Thaler, awarded...

DOL fiduciary rule: Challenges for RIAs under the BICE

September 29, 2017

On Aug. 31, the Department of Labor proposed to extend the applicability date for the full best-interest contract exemption to July 1, 2019. In all likelihood, that proposal will be finalized before the end of the year. With that in mind, what...

Dividing retirement assets when divorcing abroad

September 25, 2017

The millions of Americans who live and work outside of the United States face unique and challenging planning issues due in large part to their native land's unique tax policies on citizenship-based tax residency and the many special tax and...

Retirement benefits for military families

September 14, 2017

Veterans Day is coming in November, and there are retirement benefits for current military members who could use financial help. Financial advisers should pass this information on to clients and friends who might benefit from one of these retirement...

Where states stand with their retirement plans

September 2, 2017

(Hover over to view details) Source: Georgetown University Center for Retirement Initiatives. Data as of August 2017. *Massachusetts' prototype plan is similar to a multiple employer plan, but the degree of state involvement is less

Trump administration targets class-action right in DOL fiduciary rule, but other legal avenues could remain for investors

August 31, 2017

Even before the Labor Department has finished its review of its fiduciary rule, the Trump administration has made clear that it is targeting a part of the measure that would make it easier for investors to pursue class-action lawsuits against...

DOL fiduciary rule: Transfers of IRAs in the new fiduciary world

July 18, 2017

Advisers to plans, participants and individual retirement accounts are now fiduciaries under the Department of Labor's new regulation and prohibited transaction exemptions. As a general statement, any investment recommendation will be fiduciary...

LPL to roll out new mutual fund platform as DOL fiduciary rule takes effect

July 13, 2017

LPL Financial announced Thursday it plans to roll out a new mutual fund platform to advisers early next year to eliminate perceived conflicts of interest in compensation as the Labor Department's fiduciary rule is set to take full effect. LPL,...

Military benefit allows widows to put $500K into Roth IRA at once

June 26, 2017

Financial advisers working with members of the military often need military-like precision and knowledge of the special circumstances facing service members to help them avoid costly missteps. Last year, Christy Raines, owner of Azimuth Wealth...

Planning Roth conversions during tax reform uncertainty

June 23, 2017

What will 2017 or even 2018 tax rules look like? Going into summertime it's starting to look like any major tax reform may not be effective until 2018. One thing is for sure, though: Roth conversions will be affected, both the conversions already...

Grad students could fund IRAs with stipends under Senate bill

June 19, 2017

A bi-partisan Senate bill that would allow funds from a graduate student's stipend or fellowship to be deposited into an Individual Retirement Account has been introduced by Elizabeth Warren (D-Mass.), Mike Lee (R-Utah), Ron Wyden (D-Ore.) and...

DOL fiduciary rule: When advisers actively seek to use BICE

June 14, 2017

To opponents of the Department of Labor's fiduciary rule, the best-interest contract exemption is something akin to the spawn of Satan. This provision of the rule, which raised investment advice standards in retirement accounts, allows broker-dealers...

Fidelity launches funds that can make RMDs for aging baby boomers

June 12, 2017

Fidelity Investments is hoping to rouse interest in an otherwise sleepy market for managed-payout funds by launching funds that can make required minimum distributions for investors, at a time when the first baby boomers have just started reaching...

4 ways to reduce RMD taxes

June 9, 2017

Required minimum distributions (RMDs) usually mean an increase in taxes. Here are four ways you can reduce this RMD burden for your clients. 1. Qualified charitable distributions (QCDs) QCDs should be in play for every IRA client 70 ½ or older...

As DOL fiduciary rule takes effect, B-Ds focus on compliance

June 9, 2017

After seven years of rule-making fraught with political intrigue, intense lobbying and an abundance of conjecture, the Labor Department's fiduciary rule is getting its day in the sun. Today marks the beginning of a phased implementation period...

Labor Secretary Acosta: Concerns with DOL fiduciary rule 'not heard' during original rulemaking

June 7, 2017

Secretary of Labor Alexander Acosta hinted Wednesday that the Obama administration didn't adequately consider "concerns" raised during the rulemaking process surrounding the Department of Labor's fiduciary rule. Mr. Acosta made the remark during...

Retirement fees could rise 200% post-DOL, Chamber of Commerce warns

May 30, 2017

The U.S. Chamber of Commerce, which lobbied against adoption of the Department of Labor's fiduciary rule for retirement accounts, has published a report highlighting the negative effects the new rule will have on retirement savers. The report...

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