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The bill that passed Congress and is awaiting either a signature or veto by Trump limits the stretch to ten...

After an IRA is inherited can the decedent’s final RMD be a QCD or must it be a taxable distribution?...

Client’s employer sponsors a Simple IRA. Can client delay taking RMDs if he continues to work for employer after age...

I have a regular IRA account and need to see how much money to convert to ROTH IRA by end...

Attorney has drafted a living trust for my clients (married, no children) and has requested we ” have their accounts...

Consideration is being given to donate funds to college graduate to purchase ROTH IRA. Grad has current year earnings to...

I opened an IRA in 2016 funded with aftertax dollars of $6,500. I converted the entire account/funds of $6,050 (loss...

I have been converting portions of my traditional IRA yearly into separate Roth IRAs for 4 years. I started converting...

I would like to do rollover of my 401k in steps within one calendar year while utilizing NUA. I have...

When the chips are down, the providers hold all the cards. This is true for both IRAs and workplace plans. Ultimately, the IRA custodian (through its custodial form) and retirement plan sponsor (through the plan document) will dictate what a person can and cannot do with his retirement dollars. Prior to sauntering into a local saloon and sitting down at the poker table, be sure to know the rules of the game before asking to be dealt in. For example, if a deceased IRA owner named both his son and daughter as beneficiaries, the custodian can refuse to allow the children to stretch the inherited IRA RMD payments over their own life expectancies. Additionally, what if the beneficiary son wants to disclaim his portion of the IRA? A custodian does not have to accept disclaimers, either.