Results for "individual retirement accounts (IRAs)"

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Roth IRA conversion confusion creates opportunity for advisers, Schwab study finds

October 12, 2009

The pending rule changes around Roth IRA conversions present a huge business opportunity for financial advisers to have deeper conversations with clients, according to a new survey by Charles Schwab & Co. Inc. Starting Jan. 1, people making...

“Roth revolution” just around the corner, adviser predicts

October 2, 2009

The elimination of the income limit on Roth IRA conversions starting next year could lead to a “Roth revolution,” according to David Polstra, a partner at the advisory firm Brightworth Private Wealth Counsel. Speaking today at the Investment...

IRS closes NUA tax loophole

September 27, 2009

The Internal Revenue Service has closed another loophole in the Tax Code. This time, it involves the tax break known as net unrealized appreciation in employer securities. Depending on the appreciation of the company stock an employee has in...

Approach Roth IRA calculators with caution

July 26, 2009

Financial advisers beware: All Roth IRA conversion calculators are not created equal. A calculator — whether found on the web or nestled in a more sophisticated financial planning software package — isn't a bad jumping-off point when trying...

IRS kills 72(t) payment correction request

July 26, 2009

The Internal Revenue Service recently ruled that an improper transfer of funds from an individual retirement account from which the client was taking 72(t) payments triggered the 10% early-withdrawal penalty. In an IRS Private Letter Ruling...

IRS shoots down new Roth IRA ploy

June 21, 2009

When Roth individual retirement accounts were created, it was inevitable that some taxpayers would attempt to exploit their advantageous provisions. Since then, the Internal Revenue Service repeatedly has taken steps to minimize Roth IRA scams....

Retirement assets plummeted in '08, ICI says

June 9, 2009

U.S. retirement assets were down 22% at the end of 2008, compared with yearend 2007, according to a report released yesterday by the Washington-based Investment Company Institute. As of Dec. 31, the assets totaled $14 trillion, down from $17.9...

Education expenses and 72(t) plans

May 24, 2009

Individual retirement account owners under 59½ who take a distribution from their IRA are subject to a 10% penalty on the taxable amount of the distribution. But there are several exceptions to the penalty. For example, IRA owners with a continuing...

Obama seeks $1B to fund auto-IRA agency

May 17, 2009

President Obama wants as much as $1 billion to establish a federal organization to oversee his proposed automatic-IRA plan. The specific government re-sources devoted to this program — which could enroll an estimated 75 million people in direct-deposit...

Obama wants to fund agency that would support IRAs for all workers

May 8, 2009

President Obama has asked for $1 billion to create a new agency that will support the automatic individual retirement account proposal included in his 2010 budget. Details of this automatic pension program — which would require companies that...

Helping clients tap retirement savings

April 26, 2009

Chances are, you have clients in financial distress, with a need for ready cash. Just a few years ago, they might have taken out a home equity loan or sold their home. Today, selling a home is difficult, and home equity lines of credit are being...

House wrestles with adviser conflicts of interest issues

March 24, 2009

Only advisers who are independent of mutual funds, brokerage firms, insurance companies and other entities that sell financial products could give advice on individual retirement accounts if House Health, Employment, Labor and Pensions Subcommittee...

Charitable contributions from IRAs

March 10, 2009

Situation: Your wealthy client, age 72, has a sizable individual retirement account and is wondering whether to make charitable contributions from the IRA in 2009. Solution: Congress extended the provision to make charitable contributions directly...

Conducting employee rollover seminars

March 2, 2009

The challenge: Because of the increase in corporate layoffs, retirement plan rollovers are becoming more important. As we’ve discussed over the past several weeks, grabbing your share of the business requires becoming a retirement expert and...

It is time for IRA conversions

December 4, 2008

This month and next, help your clients by advising them to use a 2008 Roth IRA conversion to take advantage of the stock market decline. That will be the case for clients who meet these two criteria: They have traditional individual retirement...

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