Individual Retirement Accounts - IRAs
Strategies for maximizing your Individual Retirement Account (IRA’s) Investments, Tax Savings and Timing of Required Minimum Distributions
Found 429 Articles.
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Knowing When IRA Losses are Deductible
There are predictable responses to market declines. One response is more people asking, “When can I deduct losses in my IRA?” The disappointing answer is, “Not very often.” The disappointment is understandable. Investment losses have been incurred, so most people think they should be deductible. But generally losses incurred in an IRA aren’t deductible on […]
Making Stretch IRAs Easier, While You Can
The Stretch IRA is the Holy Grail for many IRA owners. They want their IRAs to last a long time. They want the magic of time and tax deferral to boost the IRA balance. These IRA owners have adequate income and resources, so they don’t plan to spend down their IRAs. They expect the IRAs […]
Using the IRA Charitable Contribution Exclusion
In the latest tax law Congress made permanent the special provision for charitable gifts from IRAs by those age 70 1/2 or older. This article gives the basic rules and also explains when it is a good idea to use the strategy and when it isn’t. This article gives some tips on how to increase […]
Recent IRA Changes You Must Know
It seems the IRA rules never are stable. Especially when you consider actions other than basic contributions and investments, Congress and the IRS regularly modify the rules. On top of that, the rules become more complicated. Here are some recent rules changes concerned IRAs you should be aware of. More IRS scrutiny. The IRS is […]
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IRA Mistakes to Avoid in 2016
The new year is almost here. Let’s en-sure it is off to a good start. Your IRAs probably are your most valuable assets or will be after you rollover a 401(k) to one. We review the most frequent and expensive mistakes people make with IRAs. Study them now and resolve not to do them in […]
How IRAs Benefit You, Loved Ones, & Charity
There are many ways an IRA can benefit you, your loved ones, and charity. In fact, charitable strategies might leave every-one better off than traditional IRA strategies. These strategies are appropriate for traditional IRAs, not the tax-free Roth IRAs. I’m also not talking about the $100,000 IRA charitable contribution law that has moved in and […]
Securing Income and Reducing RMDs
You should be familiar with QLACs. They are a growing force in retirement in-come planning. In 2014 the IRS approved them as a way to secure a stream of lifetime income and to reduce required mini-mum distributions (RMDs) and the income taxes they generate. Even if you never buy one, you should understand them and […]
Using a 401(k) to Boost Roth IRA Assets
The Roth IRA appeals to many people because of its long-term advantages. Sure, there are no tax breaks when you make contributions. You must contribute after-tax dollars. After that, though, the tax breaks multiply. Income and gains compound tax free within the IRA. You can take tax-free distributions of income and gains at any time […]
