Results for "individual retirement accounts (IRAs)"

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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...

Baseball, taxes and retirement destinations

March 11, 2019

My husband is a huge baseball fan. Me, not so much. But I always appreciate it when he forwards articles about his favorite pastime that are relevant to my passion for retirement planning. Case in point: Bryce Harper's decision to sign a record-setting...

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...

When clients work past 70, RMDs are still required — and begrudged

March 8, 2019

When Ron Strobel was an investment adviser in Seattle, many of his clients were Boeing engineers. They loved their jobs and wanted to keep working as long as they could. But when they reached age 70½, they had to take required minimum distributions...

100% required minimum distributions

March 6, 2019

Can it ever be the case that an individual retirement account's required minimum distribution, or RMD, for a year equals the entire IRA balance? Yes, but that only happens if there is no designated beneficiary. A designated beneficiary means...

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...

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...

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...

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...

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...

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 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...

Congress, states poised to upend retirement policy

April 8, 2019

Congressional and state politicians are poised to re-engineer the country's retirement system in ways that could have drastic effects on plan advisers and their clients by requiring employers to offer a workplace retirement plan or by instituting...

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...

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...

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...

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...

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