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I am the sole primary beneficiary of my husbands traditional IRA. He passed away in 2023 at the age of...

Financial advisors are well aware of the tax rules that affect retirement withdrawals, required minimum distributions, Roth conversions and rollovers. Clients, though, can often make major wealth-killing mistakes when managing their retirement savings.

Beware of WEP/GPO Outliers

• Pension Plus
• Simultaneous Entitlement
• Lump Sum Beware
• Payments from Primary Retirement Plans and Optional Savings Plans
• A Dependent Spouse’s Early Claim Can Lead to Long-Term Cash Flow Deficiencies
• Survivor Step-Up
• Spousal Dependency Beware
• The Quasi-Dependent Spouse

Executive Summary

Advisor Mailbag

GUEST EXPERT:
Annette Hammortree CLTC,

Client is 62 and still employed. He wishes to do an in-service withdrawal with NUA. Is this possible if he...

QUESTION: I inherited both a traditional and a Roth IRA from my significant other (non-spouse) who passed away in 2021. He had started taking required minimum distributions (RMDs). I am less than 10 years younger than he was. Question is: do I or do I not have to empty both accounts within 10 years of his death? No one is giving me an answer one way or another.

What are the beneficiary rules for a non-spouse/non-eligible designated beneficiary who inherited an already inherited IRA? The original IRA owner...

I have a tax client who received a retirement distribution that was rolled over into an IRA account.  The distribution...

By Sarah Brenner, JDDirector of Retirement Education In newly released final required minimum distribution (RMD) regulations, the IRS is doubling...

In Part 1 (July 17), I discussed 5-year clock issues when a non-spouse beneficiary inherits a Roth IRA. In Part 2, I will hit on the important concepts and options available when a spouse inherits a Roth IRA.

Ever since the website was revised readers are seeing many more posts online that are very clearly spam.  In the...