Individual Retirement Accounts - IRAs
Strategies for maximizing your Individual Retirement Account (IRA’s) Investments, Tax Savings and Timing of Required Minimum Distributions
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5 Reasons to Reconsider Converting a Traditional IRA or 401(k) to a Roth IRA
An IRA or 401(k) conversion isn’t a one-time decision. The decision needs to be reconsidered during the year as circumstances change. The market volatility of 2022 should cause you to review conversion decisions, no matter what your decision was earlier in the year. The factors discussed in this article might cause you to do a […]
What You Need to Know About RMDs in 2022 (Required Min. Distributions)
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The Key Differences Between Roth IRAs and Roth 401(k)s & Why They Matter
Many employers now offer Roth versions of their 401(k) plans. Though many people believe Roth IRAs and Roth 401(k)s (known formally as designated Roth 401(k) plans) are identical, there are important differences between the two types of retirement plans. You likely already know the basic differences between Roth-type accounts and traditional IRAs and 401(k)s. In […]
Know The Important Differences Between Roth IRAs and Roth 401(k)s
Many employers now offer Roth versions of their 401(k) plans. Though many people believe Roth IRAs and Roth 401(k)s (known formally as designated Roth 401(k) plans) are identical, there are important differences between the two types of retirement plans. You know the basic differences between Roth-type accounts and traditional IRAs and 401(k)s. In the traditional […]
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Knowing When RMDs Can Be Delayed
Not everyone has to begin taking required minimum distributions (RMDs) from all qualified retirement plans right after reaching age 72. There are a few exceptions. The exceptions don’t apply to IRAs. You must take RMDs from traditional IRAs after age 72. But the exceptions do apply to some qualified retirement plans, such as 401(k) plans. […]
What You Need to Know About 2022 RMDs
Investment prices are lower than they were last Dec. 31, and that raises concerns for many people who must take required minimum distributions (RMDs) from qualified retirement accounts, such as IRAs and 401(k)s. After age 72, annual RMDs are mandatory from traditional IRAs and most employer retirement plans. RMDs for the year are based on […]
A Little-Known Way To Supercharge Your IRA
Many people could achieve a couple of retirement finance goals by adding a qualified longevity annuity contract (QLAC) to their IRAs. Even if you never buy one, you should look at QLACs and know their advantages and disadvantages. (Qualified longevity annuity contracts were created in regulations issued by the IRS in 2014.) They’re an IRS-approved […]
Three Reasons to Turn Part of Your IRA into a QLAC
Many people could achieve a couple of retirement finance goals by adding a quali- fied longevity annuity contract (QLAC) to their IRAs. Even if you never buy one, you should take a look at QLACs and know their advantages and disad- vantages. QLACs were created in regulations issued by the IRS in 2014. They’re an […]
