Results for "individual retirement accounts (IRAs)"

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Women in two-income households face greatest retirement risk

July 16, 2019

For years, I've been writing about the retirement challenges that women face as a result of their longer average lifespans, lower lifetime earnings and the fact that most women end up alone as a result of divorce, widowhood or never having married....

3 aspects of retirement affected by divorce

July 15, 2019

Divorce rates for people age 50 and over have doubled since 1990, according to the Pew Research Center. Divorce can have both positive and negative impacts on happiness and finances. Michael Finke, chief academic officer of the American College...

The SECURE Act: Completing an unfinished masterpiece

July 12, 2019

Congress is considering legislation that could ensure dignified retirements for millions more Americans. The House of Representatives recently passed the Setting Every Community Up for Retirement Enhancement Act, which builds on the best elements...

The perils of do-it-yourself IRA transactions

July 2, 2019

Do you have clients who are do-it-yourselfers? While consulting YouTube for tips on a minor home improvement project may work out just fine, DIY can create serious problems when it comes to moving retirement funds. The tax laws are particularly...

Congress members ask GAO to study fallout from death of DOL fiduciary rule

June 24, 2019

High-level Democrats in the Senate and House of Representatives have asked a congressional watchdog to study the fallout from the now-defunct Department of Labor fiduciary rule, including the regulation's effect on a wide range of business practices...

Reg BI: How rollovers are changing under the new SEC rules

June 20, 2019

The Securities and Exchange Commission in early June made the most significant changes to investment-advice standards in more than two decades — and rollovers were no exception. Regulation Best Interest imposes a new standard for brokers,...

4 strategies for Roth conversions

June 13, 2019

The time is ripe to convert traditional, pretax retirement accounts to Roth-style accounts. Low individual tax rates by historical standards and a pending reversion in 2026 to the higher rates that preceded the new tax law make this an opportune...

IRA trusts could become an estate planning disaster

June 11, 2019

The new SECURE Act that was passed overwhelmingly by the House in a 417-3 vote on May 23 contains a provision to eliminate the stretch IRA and replace it with a 10-year payout for most non-spouse beneficiaries, including trusts. Stretch IRAs...

Rollovers and retirement plans: The impact of the SEC's new rules

June 7, 2019

The race is on to help shape the Department of Labor's harmonization with the Securities and Exchange Commission's package of advice rules. The starting gun was fired with the SEC's 3-1 vote on Wednesday to adopt the series of rules that redefine...

Three retirement planning conversations advisers can't ignore

June 4, 2019

Many people feel overwhelmed when it comes to saving and investing for retirement, particularly when the transition into this new life stage is imminent. Advisers play a critical role in supporting clients through their retirement journey, with...

Retirement is forced upon roughly a quarter of Americans

June 3, 2019

Most Americans aren't financially prepared for retirement. About 44% of Americans said their retirement savings are not on track, versus 36% who said they are on track, according to the Federal Reserve Board's sixth annual survey of household...

What the new DOL fiduciary rule will probably look like

May 31, 2019

The form and substance of the Department of Labor's new fiduciary rule, set to be unveiled by the end of the year, is anybody's guess. But there are a few clues, and attorneys who specialize in fiduciary and retirement law have mined them to...

Some insurance agents breaking law with 401(k) rollovers

May 30, 2019

Rolling money out of a 401(k) plan to fund an insurance product, like an annuity or life insurance policy, can be a difficult, tense decision for retirees. After all, seniors are earmarking a large chunk of their nest egg. These rollovers are...

How to replicate a stretch IRA

May 28, 2019

The end of the stretch IRA is nigh, and that's bad news for clients of financial advisers. The good news: There are ways for advisers to simulate the benefits of a stretch IRA. The term "stretch IRA" refers to an individual retirement account...

Ed Slott: How tax reform impacted popular IRA strategies

May 17, 2019

A month out from the end of tax season, and the effects of tax reform on financial advisers and their clients are increasingly coming into focus. InvestmentNews sat down with Ed Slott, a tax expert and founder of Ed Slott and Co., to discuss...

What happens during the 60 days stays in the 60 days

May 8, 2019

A lottery ticket retirement strategy failed to produce results. In a desperate attempt to pay his debts and stave off bankruptcy, Richard Jones withdrew $50,000 from his IRA and spent $30,000 on lottery tickets. He lost the $30,000 and, within...

How should advisers treat rollovers from 401(k)s to IRAs?

May 3, 2019

Recommendations that 401(k) participants take distributions from their plans and roll them over to individual retirement accounts are coming under increasing scrutiny. That scrutiny is focused on both the quality of the recommendation, including...

Alexander Acosta is the Night King from 'Game of Thrones'

May 2, 2019

For those of us who love the HBO series "Game of Thrones" — and I'm guessing that's pretty much everyone reading — one question has nagged for the majority of the show's run: Just who is this Night King guy? We know a few things. The signature...

When to do a retirement-plan rollover, and when to avoid it

April 26, 2019

During the Department of Labor fiduciary debate, one of the biggest issues was the benefits and drawbacks of rolling 401(k) and other employer-sponsored retirement plans into individual retirement accounts. The government made the argument that...

Top reasons to file a tax extension

April 2, 2019

With less than two weeks to go before the annual April 15 tax-filing deadline, many people are still gathering the necessary financial records or scrambling to come up with the cash needed to pay their tax bill. But neither excuse is a sufficient...

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