retirement planning

Life Expectancy Tables and Required Minimum Distributions

Tuesday, January 17, 2012
IRS regulations governing required minimum distributions (RMDs) from IRAs and employer-sponsored retirement plans were in proposed form only from 1987-2000. Sweeping changes to these proposed regulations in 2001 led to the issuance of long-awaited final regulations in 2002, dramatically altering the way owners and beneficiaries of these accounts and plans calculate the distributions they are mandated to take from them.
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Ed Slott Video: Ed Slott’s Retirement Planning Life Events

Monday, January 16, 2012
Things in life change every year. You get a new job. You lose a job. You get divorced. You get re-marriaged. Other life events such as death or the birth of a child also trigger retirement plan changes. Ed Slott details the events to watch out for and the important papers that will need updating in this video.
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2011 Roth IRA Conversion Deadline

Friday, January 13, 2012
This question comes up ever January. Can I still do a Roth conversion for last year? After all, I have until April 15th to make a contribution to my IRA or Roth IRA for last year, so can I still do a conversion for last year?
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Stretching Your IRA

Tuesday, January 10, 2012
If you don't need all the funds currently in your IRA you might want to "stretch" them. This refers to the process of extending the term of your IRA over multiple lifetimes through the use of existing distribution rules, the power of tax beneficial compounding and sound estate planning techniques.
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Non-Traditional Investment Scams

Friday, January 06, 2012
I just read a private letter ruling (PLR) issued by IRS allowing an individual extra time to complete a rollover of his IRA assets so that they would not be treated as a taxable distribution. Here is what happened.
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Inflation: The Silent Retirement Killer

Tuesday, December 20, 2011
We have written many times on the subject of annually funding retirement vehicles such as 401(k) plans and IRAs so you will have enough money to enjoy a financially secure retirement. The earlier you start contributing to your retirement accounts, the more you will have when you actually reach retirement age.
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