Results for "individual retirement accounts (IRAs)"

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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...

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...

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...

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...

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...

Don't raid an IRA to pay for college

April 17, 2011

Overwhelmed by the wide range of potential savings vehicles for college, consumers often default to what they know, namely familiar retirement accounts. In fact, 24% of college savers use retirement accounts as college savings vehicles, according...

How advisers can help 401(k) clients with auto-rollovers

January 23, 2019

Retirement advisers looking to make positive changes in 2019 should resolve to help 401(k) clients arrange for mandatory distributions to rollover IRAs.​ Advisers can help plan sponsors trim their administrative costs, reduce fiduciary risks...

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...

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...

Early planning of qualified charitable distributions produces better tax results

January 8, 2019

The use of qualified charitable distributions, or QCDs, from individual retirement accounts has ballooned, but tax savings opportunities are still being lost because of some basic misunderstandings about how the QCD rules work. Plan these out...

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...

Making inherited IRAs work after the Supreme Court's Clark decision

November 29, 2014

The Supreme Court's recent 9-0, unanimous ruling regarding inherited individual retirement accounts has important ramifications for spouses. In a landmark decision, this summer, it ruled that an inherited IRA is not protected in bankruptcy under...

New rules for a 21st century retirement

April 2, 2018

A 21st century retirement needs a new set of rules to provide financial and emotional security for a post-career period that can last 30 years or more. "Rewirement: Rewiring the Way Your Think About Retirement," a new book by professor Jamie...

House Republicans ask DOL to go easy on retirement plans

December 11, 2011

More than four dozen Republican House members sent a letter to the Labor Department last Monday urging the agency to tread carefully if it includes individual retirement accounts in a new rule that would expand the definition of “fiduciary”...

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...

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...

Trump administration targets class-action right in DOL fiduciary rule, but other legal avenues could remain for investors

August 31, 2017

Even before the Labor Department has finished its review of its fiduciary rule, the Trump administration has made clear that it is targeting a part of the measure that would make it easier for investors to pursue class-action lawsuits against...

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...

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...

Investors staged last-minute rush to Roth IRAs

January 23, 2011

Affluent clients of two large financial services companies converted billions of dollars held in conventional IRAs to Roth IRAs in 2010, particularly at the end of the year. Bank of America Corp., which executed more than 56,000 conversions...

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