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 401(k) 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 401(k) 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.

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

David Marotta discusses how to maximize retirement accounts.

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.

Video: Roth IRAs Make Great Estate Planning Tools
with No Comments

Bequeathing a Roth is much the same as setting up a lifetime tax-free stream of income for your heirs.

Video: Be Smart When You Roll Over Your 401(k)
with No Comments

There are few better investment returns than an employer’s matching contribution made to your 401(k). But after you retire or leave that company’s employment, you should almost always roll your 401(k) into an IRA for better investment choices. Being smart by rolling over your 401(k) can pay dividends for decades.

Video: Be Smart When You Rollover Your 401(k)
with No Comments

After you retire or leave that company’s employment, you should almost always roll your 401(k) into an IRA for better investment choices.

Seven Termites That Eat Your 401(k)
with No Comments

We call the difference between the market return and typical investor returns the “termite gap.”

Roth Segregation Accounts
with No Comments

A complex technique called “Roth segregation accounts” could earn your investments an extra 30% over the next two years.

Remember to Fund Your Roth IRA
with No Comments

Historically, income taxes have not been this low since 1931.

Be Smart When You Rollover Your 401(k)
with No Comments

Some 401(k) plan’s generous matching contributions are completely eroded by the plan’s excessive expenses.

Roth IRA vs. the Traditional IRA
with No Comments

Historically income taxes have not been this low since 1931.

1 2 3

Like what you read? Subscribe to our newsletter!