Results for "individual retirement accounts (IRAs)"

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5 things clients learned about Roth conversions this tax season

April 9, 2019

This tax season was the first under the new tax law, the Tax Cuts and Jobs Act. Roth conversions were one of many areas where the actual impact of the changes was seen firsthand as 2018 tax returns were prepared. Here are five items that surprised...

Congress, states poised to upend retirement policy

April 8, 2019

Congressional and state politicians are poised to re-engineer the country's retirement system in ways that could have drastic effects on plan advisers and their clients by requiring employers to offer a workplace retirement plan or by instituting...

Top reasons to file a tax extension

April 2, 2019

With less than two weeks to go before the annual April 15 tax-filing deadline, many people are still gathering the necessary financial records or scrambling to come up with the cash needed to pay their tax bill. But neither excuse is a sufficient...

New annuities starting to address RMDs

April 1, 2019

Allianz Life Insurance Co. of North America is launching an indexed annuity geared toward clients 70½ and older who don't need the money that the government requires they withdraw each year from retirement accounts in the form of required minimum...

Half of Americans approaching retirement have nothing saved

March 27, 2019

The bad news is that almost half of Americans approaching retirement have nothing saved in a 401(k) or other individual account. The good news is that the new estimate, from the U.S. Government Accountability Office, is slightly better than...

Why the 4% rule may be irrelevant

March 27, 2019

The 4% retirement withdrawal rule has enjoyed a ubiquitous presence in the world of financial planning ever since William Bengen proposed it in 1994. Mr. Bengen's rule states that individuals should withdraw no more than 4% of their retirement...

Be sure your clients use nondeductible IRA contributions correctly

March 14, 2019

Back in the day, being a good financial adviser meant building a portfolio that provided investors with a maximum return for the minimum level of risk. Now the role of an adviser has evolved to offering thoughtful advice and guidance on a wide...

Baseball, taxes and retirement destinations

March 11, 2019

My husband is a huge baseball fan. Me, not so much. But I always appreciate it when he forwards articles about his favorite pastime that are relevant to my passion for retirement planning. Case in point: Bryce Harper's decision to sign a record-setting...

When clients work past 70, RMDs are still required — and begrudged

March 8, 2019

When Ron Strobel was an investment adviser in Seattle, many of his clients were Boeing engineers. They loved their jobs and wanted to keep working as long as they could. But when they reached age 70½, they had to take required minimum distributions...

100% required minimum distributions

March 6, 2019

Can it ever be the case that an individual retirement account's required minimum distribution, or RMD, for a year equals the entire IRA balance? Yes, but that only happens if there is no designated beneficiary. A designated beneficiary means...

New Jersey poised to create auto-IRA program

February 28, 2019

New Jersey is poised to become the latest state to establish a so-called auto-IRA program to help residents save for retirement. New Jersey's state Assembly passed a bill this week that would create the New Jersey Secure Choice Savings Program,...

Should you name a trust as an IRA beneficiary?

February 22, 2019

Financial advisers may be wondering how to best bequeath clients' individual retirement account assets to heirs in the event of their death. The question becomes, should they name a trust rather than an individual as a beneficiary of the IRA?...

Were any required minimum distributions missed last year?

February 5, 2019

Yes, advisers all know that required minimum distributions, or RMDs, generally had to be done by the end of last year. Hopefully the ones that you know about were done. But these are some RMDs that often fall through the cracks: Year-of-death...

Hedge fund creates the ultimate tax-free IRA for employees

February 1, 2019

Renaissance Technologies, the giant hedge fund founded by billionaire Jim Simons, seems to have created the premier, tax-free retirement account for its employees. A deft maneuver back in 2012 enabled employees to invest in RenTech's storied...

How advisers can help 401(k) clients with auto-rollovers

January 23, 2019

Retirement advisers looking to make positive changes in 2019 should resolve to help 401(k) clients arrange for mandatory distributions to rollover IRAs.​ Advisers can help plan sponsors trim their administrative costs, reduce fiduciary risks...

Early planning of qualified charitable distributions produces better tax results

January 8, 2019

The use of qualified charitable distributions, or QCDs, from individual retirement accounts has ballooned, but tax savings opportunities are still being lost because of some basic misunderstandings about how the QCD rules work. Plan these out...

Oregon will help other states launch own auto-IRA programs

December 17, 2018

Oregon, which recently launched a statewide program to ensure all private-sector workers have access to an employer-based retirement plan, will partner with other states that want to adopt a similar framework, with the aim of easing the launch...

3 big reasons to do a Roth conversion right now

December 10, 2018

Lower tax rates, a slumping stock market and the time of year offer pristine conditions for financial advisers to do a Roth conversion with clients. Roth conversions allow clients to convert all or a portion of their traditional, pretax individual...

A younger spouse can lower required minimum distributions

December 10, 2018

Here's one I haven't heard before. I received a question from a financial adviser wondering if he could help his client reduce his required minimum distribution burden and the resulting tax on his $2 million individual retirement account by...

For Los Angeles-based RIA Aspiriant, growth is crucial yet deliberate

December 8, 2018

Aspiriant is a $12.2 billion advisory firm fueled by grand aspirations of a national network and brand. Rob Francais, CEO of the Los Angeles-based RIA, wants to take independent financial planning down the same path followed by national accounting...

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