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The most misunderstood Roth conversion tax rule
Qualified distributions are the holy grail for Roth IRAs, but there is confusion around the time requirements
The most misunderstood Roth conversion tax rule
Qualified distributions are the holy grail for Roth IRAs, but there is confusion around the time requirements.
Rollovers are all bad! Use only direct transfers
A mistake on a rollover can cost a client their life savings.
5 reasons to keep some funds in traditional IRAs, even for Roth IRA lovers
Clients can use traditional IRAs to realize tax benefits related to medical expenses, business losses and charitable contributions.
The perils of do-it-yourself IRA transactions
A $20,000 Roth conversion turns into a $2 million tax disaster, demonstrating why clients need advisers for critical IRA moves.
IRA trusts could become an estate planning disaster
If Congress eliminates the stretch IRA, advisers will have to rethink IRA trust planning.
What happens during the 60 days stays in the 60 days
IRA funds withdrawn and timely rolled back into the IRA are protected in bankruptcy — no matter what the funds were used for while outside the account.
5 things clients learned about Roth conversions this tax season
Advisers can use this information to begin planning for 2019
100% required minimum distributions
In some cases, the RMD is the entire IRA balance — or more!
Were any required minimum distributions missed last year?
Who is responsible, and what to do now that it's happened.
A younger spouse can lower required minimum distributions
If the IRA owner's spouse is more than 10 years their junior, the holder can use a different IRS table to calculate RMDs.
Seizing Opportunities: Last-Chance Retirement Moves in 2018
Complete rollovers, take care of qualified charitable distributions and be sure that all funds related to a lump-sum distribution have been withdrawn.
Using an IRA to fund an HSA
A qualified HSA funding distribution gives clients a one-time chance for a tax-free distribution of funds from an individual retirement account.
Last chance to undo a Roth conversion
Countdown to the Oct. 15 deadline for recharacterizing 2017 Roth conversions.
Can inherited IRAs be split in a divorce?
A new phenomenon may signal a trend in which IRAs play a bigger role in divorce settlements.
Are Roth conversions after 70½ advisable? 5 factors to consider
Future tax rates and when the money will be needed are among the things advisers should take into account.
Where does the proposed indexing of capital gains leave retirement accounts?
Retirement savers have also seen the purchasing power of their savings reduced by inflation.
Can inherited IRAs be split in a divorce?
A new phenomenon may signal a trend in which IRAs play a bigger role in divorce settlements.
Defined-contribution plan loan and hardship distribution rules eased
Advisers need to understand the new rules so they can help clients in need.
Divorce 2019: How to use IRAs and 401(k)s to ease future alimony planning
A change in the tax law could now help both parties.
