Results for "individual retirement accounts (IRAs)"

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Avoiding Roth recharacterization traps

August 29, 2010

The Roth recharacterization provides one of the few second chances in the tax code. In essence, it's a do-over. The provision allows you to undo, or reverse, a Roth conversion, effectively treating the move as if it never happened. Any tax paid...

Advisers bullish on auto-IRA measure

August 15, 2010

Insurers, fund companies and advisers who serve small investors are likely to be big winners if the Automatic IRA Act of 2010 becomes law. Introduced in the Senate Aug. 6 by Sen. Jeff Bingaman, D-N.M., and in the House last Tuesday by Rep. Richard...

Auto-IRA bill formally proposed in Senate

August 9, 2010

After much discussion and anticipation, the Automatic IRA Act of 2010 was formally proposed Friday by Sen. Jeff Bingaman, D-N.M. If enacted, the bill could affect half of the country's working population. Under the provisions of the bill, employers...

Ed Slott: Turn lemons into Roth conversion cash

July 25, 2010

If your client wants to convert his or her individual retirement account to a Roth IRA this year but doesn't have cash from non-IRA sources to pay the tax on the conversion, consider looking at his or her capital assets. Many clients have significant...

Avoiding a big Roth conversion mistake

June 27, 2010

There is a downside to a Roth IRA conversion. Whether clients pay tax for 2010 or spread the tax burden between 2011 and 2012, they'll still owe income tax on the pretax money they move from a traditional individual retirement account or company...

Automatic IRAs would help retirement security, says Treasury's Iwry

June 27, 2010

The guru of federal retirement policy has high hopes for one of his yet-to-be-approved retirement creations: the automatic IRA. J. Mark Iwry, deputy assistant Treasury secretary for retirement and health policy, thinks that “millions” of...

Having the conversion conversation

June 6, 2010

Although the Roth conversion isn't for everyone, financial advisers must have the conversion conversation with every client who qualifies. If you aren't discussing conversion now, you can bet that some other adviser is. In helping clients decide...

Natalie Choate: How immediate annuities fit into an IRA

May 11, 2010

Natalie Choate, a retirement planning expert with Nutter McClennen & Fish LLP, talks with Morningstar's Christine Benz at the InvestmentNews Retirement Income Summit about the new rules that apply to an annuity when it's purchased inside an IRA.

Natalie Choate's tips — and traps — for IRA conversions

May 10, 2010

Natalie Choate, a retirement planning expert with Nutter McClennen & Fish LLP, talks with Morningstar's Christine Benz at the InvestmentNews Retirement Income Summit about four factors that favor conversion, and includes some pitfalls to avoid...

Handful of distributors winning IRA rollover wars

April 27, 2010

A handful of distributors are seeing a rising tide of wealthy-client assets going into individual retirement accounts. The proportion of wealthy investors' total assets in IRAs climbed during 2009. IRAs now account for 31% of the total assets...

Roth conversions can ease new tax

April 25, 2010

The revenue-raising provision of the new health care law most likely to affect your clients is a 3.8% levy on investment income. The law describes it as an additional Medicare contribution, but it is actually a surtax on net investment income....

Roth IRA conversions booming

April 16, 2010

Apparently, an income tax hit wasn’t enough of a deterrent to dissuade thousands of taxpayers from converting to Roth IRAs during the first quarter of the year. Fidelity Investments this week reported that its clients converted some 58,000...

The debate goes on: To Roth or not to Roth?

April 4, 2010

The following is an edited transcript of an webcast held in New York on March 9. Moderators were InvestmentNews deputy editors Evan Cooper and Frederick P. Gabriel Jr. Panelists were Ed Slott and David B. Loeper. To listen...

What can't be converted to a Roth

April 4, 2010

Unfortunately, many individuals are getting confused. They think that just because income restrictions have been lifted and anyone can convert to a Roth IRA in 2010, it means that anyone can convert anything. Not so. The tax code allows only...

Putnam makes online Roth IRA tool available to both advisers and clients

March 22, 2010

Putnam Investments today said it is expanding the availability of its Roth IRA Conversion Evaluator, making it accessible to financial advisers' clients. Previously, the online tool was available only to advisers. The Internet tool asks investors...

Wealthy investors seen reluctant to rush into Roth IRA conversions

March 21, 2010

Mutual fund companies are reporting a brisk business in Roth IRA conversions as a result of a change in the tax law, but there is one segment of the public that is decidedly cool to the idea, even though their financial advisers are urging them...

Industry group suggests alternative to Obama's auto-IRA plan

March 16, 2010

The SPARK Institute, a group that represents retirement plan service providers, has come up with an alternative to the Obama administration’s proposal that would require employers who don’t offer 401(k) plans to enroll workers in direct-deposit...

Push to curb tainted rollover advice could hamstring IRA sales

March 16, 2010

Members of Congress and the Labor Department are separately discussing possible legislation or regulation that would crack down on potential conflicts of interest involving brokers who provide advice to 401(k) plans, then seek to roll over retiring...

Rep or fiduciary? Labor department says, 'Choose'

March 14, 2010

Proposed regulations that would limit the way that financial advisers are compensated for working with retirement plans are forcing broker-dealers to reconsider how their -representatives sell and advise retirement plans. The proposed regulations,...

Roth conversions taking off in 2010

February 28, 2010

Upper-income investors are taking advantage of a change in the tax law and rushing to convert their traditional individual retirement accounts or old 401(k) plans into Roth IRAs, according to an informal survey of investment companies. New rules...

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