Results for "individual retirement accounts (IRAs)"

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A younger spouse can lower required minimum distributions

December 10, 2018

Here's one I haven't heard before. I received a question from a financial adviser wondering if he could help his client reduce his required minimum distribution burden and the resulting tax on his $2 million individual retirement account by...

3 big reasons to do a Roth conversion right now

December 10, 2018

Lower tax rates, a slumping stock market and the time of year offer pristine conditions for financial advisers to do a Roth conversion with clients. Roth conversions allow clients to convert all or a portion of their traditional, pretax individual...

Midwestern magic? RIA assets soared nearly 30% there last year

December 8, 2018

It might be too soon to say that the big coastal cities are losing their mojo, but from a financial planning perspective the latest momentum favors some of the sleepier areas of the Midwest. An InvestmentNews analysis of SEC-registered RIAs...

This Miami-based firm has a $50 million minimum

December 8, 2018

It is interesting and rare that half of the $7.3 billion under management at WE Family Offices is from non-U.S. clients. But what's even more interesting is that when the firm launched five years ago, there were no U.S. clients. "Our domestic...

For Los Angeles-based RIA Aspiriant, growth is crucial yet deliberate

December 8, 2018

Aspiriant is a $12.2 billion advisory firm fueled by grand aspirations of a national network and brand. Rob Francais, CEO of the Los Angeles-based RIA, wants to take independent financial planning down the same path followed by national accounting...

For Silvercrest Asset Management Group, client referrals were gold

December 8, 2018

Silvercrest Asset Management Group is a multi-family-office advisory firm that credits client referrals for much of its growth to $21.3 billion. Founded in 2002, the New York-based advisory firm has clients in 47 states. Richard Hough III, who...

401(k) dilemma: Advisers weather a fog of uncertainty surrounding IRA rollovers

December 1, 2018

It's perhaps the most important inflection point of a client's financial life and one of the most lucrative for an investment adviser or broker — and with millions of baby boomers heading into their golden years of retirement, IRA rollovers...

Regulators have a sharp eye on IRA rollovers, so advisers must act cautiously

December 1, 2018

After the Department of Labor's fiduciary rule for retirement advice was killed earlier this year, many brokers likely breathed a sigh of relief. Now things could return to normal, especially in regard to IRA rollovers, a lucrative part of many...

Rollover tip sheet: What advisers should consider

December 1, 2018

Just as location, location, location is often said to be the key to good real estate, rollover recommendations have their own mantra: document, document, document. Here are some factors, based on checklists used by advisers and suggested by...

Tax-smart year-end charitable giving

November 21, 2018

When our extended family gathers around my sister's Thanksgiving table each year, we each express our gratitude for the people, events and experiences that shaped our lives over the past year. Inevitably, our thoughts and sympathies turn to...

3 last-chance retirement moves for 2018

November 12, 2018

Most clients are aware that their required minimum distributions, or RMDs, generally must be withdrawn by year-end. But here are three more retirement tax moves advisers should remind clients about before the year closes. Complete rollovers...

IRS raises 2019 401(k) contribution limit to $19,000

November 1, 2018

The Internal Revenue Service announced Thursday cost-of-living adjustments to limits on contributions to retirement plans for 2019. The agency's limit on annual employee contributions to 401(k)s, 403(b)s, most 457 plans and the federal government's...

New court ruling could put retirement assets from a divorce at risk in bankruptcy

October 30, 2018

Financial advisers should reconsider how they treat retirement assets clients acquired during a divorce, following a recent lawsuit that puts them at risk during a bankruptcy, according to tax and estate experts. In this particular case, Brian...

Small businesses face a big retirement challenge

July 17, 2018

Here is an amazing statistic: Small businesses account for 99.7% of all U.S. firms and employ more than half of all American workers, according to the Small Business Administration. Collectively, small businesses drive the economy, but many...

Last chance to undo a Roth conversion

September 7, 2018

The new tax law ended Roth recharacterizations, effective for conversions done in 2018 and later years. However, there is still a window of opportunity to reverse 2017 Roth conversions. But that window is closing quickly: The last day to recharacterize...

Using an IRA to fund an HSA

October 9, 2018

Funds from individual retirement accounts generally cannot be rolled over to a health savings account, but there is a one-time exception for a qualified HSA funding distribution, or QHFD. An individual is allowed to transfer funds from an IRA...

Advisers back Trump's directive to ease distribution rules for retirement accounts

August 31, 2018

Investment advisers support President Donald J. Trump's effort to allow people to keep money in their retirement accounts longer. This afternoon at an event in Charlotte, N.C., Mr. Trump will sign an executive order directing the Treasury Department...

State auto-IRA programs poised to catch advisers' attention

March 13, 2018

The first state auto-IRA plan is up and running. OregonSaves, which launched last year, has more than 19,000 individuals and 300 companies participating. What does this mean for financial advisers? Oregon's foray into the retirement arena is...

Are Roth conversions after 70½ advisable? 5 factors to consider

August 9, 2018

The biggest benefit of a Roth conversion of an individual retirement account is the tax-free compounding over time. Those who are over age 70½ obviously have less time to make the upfront tax cost of a Roth conversion worth the benefit, given...

Roth conversions can boost Medicare premiums

May 22, 2018

The Tax Cut and Jobs Act of 2017 created generally lower tax rates for 2018 through 2025, presenting an enticing opportunity to convert traditional retirement savings to Roth accounts at today's lower rates. Under current law, individual income...

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