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Category Archives: 401(k)
Please mark Your IRA Calendar with the following deadlines
October 17: Deadline to recharacterize a 2010 Roth Conversion or IRA Contribution. October 31: Deadline to provide trust documentation to the IRA custodian, if the IRA owner died during 2010 and the beneficiary of the IRA is a qualified trust. … Continue reading
Substantially Equal Periodic Payments (A Doorway to Penalty Free Distributions)
by Denise Appleby, CISP, CRC, CRPS, CRSP, APA Generally, taxable distributions from IRAs, qualified plans or 403(b) accounts are subject to a 10% excise tax (early distribution penalty), if the distribution occurs before the owner reaches age 59 ½. However, … Continue reading
Posted in 401(k), Distributions, IRA Cataegories, Penalties
Tagged 401(k), 72(t), Distribution, Early Distribution Penalty, IRA, SEPP
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Naming Your IRA or 401k Beneficiary In Your Will May Not Work
By Denise Appleby, CISP, CRC, CRPS, CRSP, APA If you named your Will as the beneficiary of your IRA, 401(k), 403(b) or other retirement account, including stating “As per my Will” or “Will” on your beneficiary designation form, you need … Continue reading
Posted in 401(k), Beneficiary Forms, IRA Cataegories
Tagged 401(k), Beneficiary Form Errors, Beneficiary Forms, IRA
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How Much Do I Need to Retire?
January 5, 2011 Experts say young workers need 18.7 times their final pay saved at retirement. This includes Social Security, retirement accounts and their personal savings to maintain their standard of living in retirement. That means individuals making $50,000 when … Continue reading
Posted in 401(k), Budgeting, Social Security
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If I Convert, Do I Have To Convert All of My Traditional IRAs or 401(k)s To a Roth IRA?
Questions from Clients: 1) If I convert, do I have to convert the total of all my Traditional IRAs or 401(k)s to a Roth IRA? a) You don’t. You can convert any portion of your Traditional IRA or 401(k) b) My advice … Continue reading
Posted in 401(k), Roth IRA Advantages
Tagged Roth Advantages, Roth Conversion, Roth IRA
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Reasons To Roll Over Company Plan Funds to an IRA
Most plans do not allow your beneficiaries to stretch the distributions over their life-tiimes like an IRA does Funds in a company retirement plans are subject Federal law that for the most part requires participants to name thier spouse as … Continue reading
Reasons to Leave your Assets in the Company Retirement Plan such as a 401 (k)
Company plans receive Federal creditor protection. State laws protect IRAs. Check your state for more details. You can borrow funds form a company retirement plan, but you can’t from your IRA Funds in a company retirement plan can be invested … Continue reading
Rollover IRA
Rollover IRA A Rollover IRA is typically a traditional IRA that is used exclusively to hold rollovers from qualified plans. If you’ve changed jobs or recently retired, a Rollover IRA can help you take control of your retirement assets and … Continue reading
