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Whiplash: Retirement Account Opportunities & Mistakes During Market Volatility

• Roth Conversions
• RMDs
• NUA
• 72(t) Adjustments
• No Time to Panic

Insert: Creditor Protection for Retirement Accounts

Creditor Protection for Retirement Accounts

• Bankruptcy Protection for IRAs
• Bankruptcy Protection for Company Plans
• General Creditor Protection for IRAs
• General Creditor Protection for Company Plans
• General Creditor Protection for SEP and SIMPLE IRAs

Guest IRA Expert:
Don Cash CPA,

No Choice in the Matter: IRS Issues Guidance on Mandatory Roth Catch-Ups

• Which Plans and Catch-Ups Are Affected?

Congress Complicates Catch-Up Contributions

• Traditional and Roth IRAs
• Company Savings Plans
• SIMPLE IRAs

Executive Summary

Too Rich for Roth?

The Top 23 Questions That Financial Advisors Asked Us

• Roth conversions, Roth 5-year clocks, inherited Roth IRAs and the taxes due on Roth accounts.

• Proposed RMD Regs Retain Old Rules for Spouse Beneficiaries …With New Twists!
• Roth 401(k) Accounts: No Longer Subject to RMDs
• Tracking the IRS Twists on Separate Accounts for IRA Subtrusts

Proposed RMD Regs Retain Old Rules for Spouse Beneficiaries …With New Twists!

• Final RMD Regulations Keep Controversial Annual RMDs During 10-Year Period
• Year-of-Death RMD: New Regulations
• Big Picture Tax Planning After the SECURE Act

Final RMD Regulations Keep Controversial Annual RMDs During 10-Year Period

• Annual RMDs within the 10-year period are required when an account owner dies on or after the RBD.

• IRS Releases RMD Regulations and Keeps Controversial Annual RMD Rule for the 10-Year Period
• 401(k) In-Plan Conversions Open Up Roth Accounts for Younger Employees
• No 60-Day Rollover Relief After Mistaken Conversion

IRS Releases RMD Regulations and Keeps Controversial Annual RMD Rule for the 10-Year Period

• On July 18,

• Emergency Access to Retirement Funds
• The Beneficiary Form Reigns Supreme — Even After 28 Years
• Tax Considerations for Savvy Beneficiary Planning by Bob Morrison

Emergency Access to Retirement Funds

• Kohl Case
• Financial Emergencies: New 10% Penalty Exception
• Hardship Withdrawals
• Pension-Linked Emergency Savings Accounts: New 10% Penalty Exception

• There is no specific exception to the 10% penalty for hardship;

• Fundamentals of Lifetime RMDs
• 3 Steps to Fixing a Missed RMD
• Gambling and Retirement Planning by Martin “Marty”

• Considerations When a Trust (or Estate) Is IRA Beneficiary
• The Current State of the IRA Beneficiary RMD Rules
• Next-Gen IRA Planning with Life Insurance

Considerations When a Trust (or Estate) Is IRA Beneficiary

• Post-Death Administration
• Payout Rules: Trusts
• Payout Rules: Estates
• Taxes

• When a trust or estate is named as IRA beneficiary,