Mailbag: Can I Roll My IRA Into A REIT Tax-Free?
with No Comments

A reader asks, “My wife has a $250K SEP IRA earning 1.5% interest. Can we use any of the funds for real-estate investments?”

Taxes on Non-Deductible IRA Contributions
with No Comments

“Once you put cream in the coffee, all coffee removed from the cup is partly cream and partly coffee.”

Roth IRA Conversions and Roth Segregation Strategies
with No Comments

Roth accounts have several advantages over traditional retirement accounts.

Roth IRA Calculator and Rules
with No Comments

A complete guide to using Roth IRAs to build lasting wealth.

Retirement Plan Asset Allocation: University of Virginia Case Study
with No Comments

Many people lack the time and expertise to develop an intelligent retirement asset allocation plan.

UVA Tax-Deferred Retirement Plan Asset Allocation Tools
with No Comments

We have created several asset allocation tools to aid those seeking an intelligently diversified portfolio.

If Tiger Woods Can Contribute To A Roth, So Can You – Via Back Door
with No Comments

A backdoor Roth IRA contribution requires some extra steps but allows high-income earners equal access to the tax-free benefits of a Roth IRA.

How to Calculate An Advisor’s Value: Tax Efficiency
with No Comments

A dollar saved on your taxes is better than a dollar earned which causes you to pay more tax.

How quickly should 401(k) deposits be remitted?
with No Comments

As the payroll processor at our company, how quickly do I need to deposit 401(k) contributions into employee accounts? -Sincerely, Payroll Pam

Is Your 401(k) Plan Secure?
with No Comments

Money deducted from your paycheck for retirement typically gets deposited quickly into your 401(k) plan. But this isn’t always the case.

Roth’s Less-Known Strengths
with 2 Comments

Mr. Roth can also help with transferring gifts to your heirs, setting up your first emergency reserve account, and paying for a new house or college expenses. But don’t ask him to iron your clothes. That’s where he draws a line.

The Powerful Roth IRA
with No Comments

Tax-free saving for retirement is only one of the many talents offered by Mr. Roth. If you have yet to become fully acquainted, consider this your formal introduction and start getting to know Mr. Roth today.

IRA Cap Gives Rise to New Funding Strategies
with 7 Comments

President’s proposal comes with silver linings for shrewd advisors

More Than 25% of Americans Are Making a Financial Mistake
with No Comments

If you look beyond the short term, making this move is pretty clearly worse than using a high-interest credit card to pay your bills.

Naming A Foreign 401(k) Beneficiary? ($ ?s)
with No Comments

You should have no problem naming your nephew as your beneficiary, but accessing the money from India after your death is more complicated.

Financially Savvy Kittens on Retirement Plans
with No Comments

These kittens have retirement plans. Be more like these kittens.

Three Steps to Find a Missing 401(k) ($ ?s)
with No Comments

Literally tens of thousands of employees who were once participants in an employer-sponsored retirement plan (i.e., 401(k) plan, profit-sharing plan) neglect to take their retirement money with them.

Is Your 401(k) Holding Too Much Company Stock?
with 2 Comments

Following the holiday season, many will feel the effects of overindulging on festive sweets. It turns out that your 401(k) also suffers when indulging on too much of a good thing.

Roth IRAs: If the front door is closed, try the back door ($ ?s)
with 4 Comments

There is a backdoor way to contribute to a Roth IRA for those who are not income eligible. This method requires the following steps:

Contributing to Multiple Retirement Plans ($ ?s)
with No Comments

This article reviews the coordination rules which govern the maximum contributions to 457, 401(k) and Thrift Savings Plan. Information on 403(b) plan maximums is also included.

New 401(k) and IRA Limits for 2013
with No Comments

It’s time to consider adjusting your retirement savings. The Internal Revenue Service recently issued a variety of inflation adjustments for 2013, and retirement savers can now save even more.

IRS Notice of Proposed Adjustment for Underpayment/Overpayment (CP2000) for 2010 Roth Recharacterization
with No Comments

Currently the IRS is sending notices to anyone who did a Roth Recharacterization in 2010 asking them to pay as though they kept the entire conversion amount.

$ ?s: 72(t) and Other Early Retirement Distribution Options
with No Comments

There is a separate set of rules for those under age 55 or who are looking to distribute from an IRA. These rules focus on an exception called Substantially Equal Periodic Payments (SEPPs).

Three Questions to Ask Before Establishing a New Company Retirement Plan
with No Comments

Here are three questions that every small business owner should answer before establishing a new retirement plan.

Mailbag: I’d Like to Withdraw Money from My IRA to Purchase Physical Silver.
with No Comments

Precious metals will, on average, just keep up with inflation, but your after tax return would mean you fell behind inflation by the 28% tax you must pay.

$ ?s: Roth or Pre-Tax 401(k)?
with No Comments

Here is the only question you should attempt to answer: Are you paying a higher tax rate now or later?

Mailbag: How Should I Invest a Roth IRA that My Children Will Inherit?
with No Comments

Should it be invested aggressively, like 100% equities, or use the same split as my taxable investments, such as 50-50 stocks vs bonds?

Tax Planning from the 2012 January / February issue of Planning Perspectives
with No Comments

“How can you respond if these new taxes are enacted? One option is to do a Roth conversion so that you can pay taxes now for those retirement funds.”

Roth IRA Recharacterization 2012: Undoing a Roth Conversion
with 2 Comments

Nearly everyone is an excellent candidate for a Roth conversion this year. You can always undo part or all of a Roth conversion with what’s called a recharacterization, so you can’t convert too much.

Roth IRA Conversion 2012: Roth Calculator for Prof. Low Income
with No Comments

Who would have thought that someone earning $10,700 might want to purposefully push their taxable income up to $217,450 this year in order to pay $47,595 more in taxes at these lower 2012 tax rates?

Roth IRA Conversion 2012: Roth Calculator for Mr. Esq
with 2 Comments

Who would have thought that someone in the 33% tax bracket now who will be in a lower 28% tax bracket in the future might want to do a Roth conversion at his higher rates now?

Roth IRA Conversion 2012: Roth Calculator for Ms. Small Business Owner
with No Comments

Who would have thought that someone earning $400,000 might want to purposefully push their taxable income up to $1.2M this year in order to pay $280,000 more in taxes at these lower 2012 tax rates?

Roth IRA Conversion 2012: Roth Calculator for Mr. Average
with No Comments

Who would have thought that someone earning $75,000 might want to purposefully push their taxable income up to $275,000 this year in order to pay as much as possible at these lower 2012 tax rates!

Roth IRA Conversion 2012: A Roth Conversion Calculator
with 1 Comment

Nearly everyone is an excellent candidate for executing a Roth conversion this year. But it is helpful to have a target amount in mind before you begin.

Roth 401(k) vs. Roth IRA (A guide for the perplexed)
with No Comments

A Roth provides more flexibility than its Roth 401(k) counterpart because you can access the principal at any time without penalty.

The Absolutely Last Chance for a Massive Roth Conversion
with 9 Comments

A tax tsunami is coming at the end of this year. This will be your last opportunity to safeguard your assets in a lifeboat and avoid getting swamped with taxes.

$ ?s: Investment Advice for Those Who Don’t Need the Money
with No Comments

Q: I am a 65-year-old retired widow and I have a large IRA. How should I invest if I don’t need this money?

$ ?s: Accessing 401(k) Funds When Disaster Strikes
with No Comments

Q:What advice can you offer for how to go about accessing retirement funds after a hardship?

Mailbag: Is There a Certain Roth You Recommend?
with No Comments

I’m in my 20s and I’m just getting started in the working world.I’m also looking at a Roth IRA. Is there a certain Roth you recommend?

Mailbag: Which of these 401k investment choices do you recommend?
with No Comments

I’m in my 20s and I’m just getting started in the working world. Which of the attached 401k investment choices do you recommend?

Roth Regrets? Still Time to Change
with No Comments

David John Marotta was featured in a Wall Street Journal article about the upcoming Roth recharacterization deadline.

Market skid may prompt Roth IRA ‘do-overs’
with No Comments

Marotta’s Roth segregation technique of conversion and recharacterization was featured in InvestmentNews magazine.

Retirement Plans’ Perilous Future
with No Comments

Between threats of cutting tax benefits and crackdowns on non-compliant plans, for the retirement industry ‘stakes are higher than they ever were’

The GAO Makes A Poor Financial Advisor
with No Comments

If the GAO were giving you investment advice they would suggest that you not participate in your 401(k) and convert at least half of your retirement savings into an annuity laden with fees and expenses.

How To Cut Taxes On Your IRA Withdrawals
with No Comments

This article from Donald Jay Korn for Investor’s Business Daily describes the benefits of advance tax planning to reduce the tax bite that is inevitable as you grow older and required minimum distributions (RMDs) become a larger portion of your retirement account.

Getting The Most From Your 401(k) Or 403(b)
with No Comments

Most plans have funds laden with fees. Some share this revenue with plan sponsors, enticing them to pick more expensive funds to subsidize the costs of the plan or even make a profit.

Retirement Savings 101: Self-Employment Options
with No Comments

An individual 401(k) (also known as a “solo 401(k)”) offers you the option to defer the first $16,500 of income.

Retirement Savings 101: Priorities
with No Comments

With the income tax debate currently controlled by legislators advocating even higher rates, I don’t think you will regret having some tax free money.

1 2 3

Subscribe to our newsletter!