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IRAs in Divorce Situations

by Craig Moser on December 29, 2017

IRAs in divorce situations are often complex.  And while most of us don’t want to consider divorce, it does happen.  Your legal separation agreement or divorce decree provides details on splitting any IRAs, so here are some things you need […]

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How Your Inherited IRA is Taxed

by Craig Moser on December 22, 2017

How your inherited IRA is taxed depends on the type of IRA you inherit. Tax consequences are different for traditional and Roth IRAs. Consider the following example. Let’s say Chris named his three children as beneficiaries of his three-million-dollar traditional IRA.  […]

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Fixed Index Annuities (FIAs)

by Craig Moser on December 8, 2017

Fixed Index Annuities (FIAs) are a contract between you and an insurance company.  They may help you reach your long-term financial goals.  In exchange for your premium payment, the insurance company provides income.  Income begins immediately or at some time […]

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Spouse Beneficiary of an IRA

by Craig Moser on November 24, 2017

Your spouse passed, and you find you become the spouse beneficiary of an IRA.  The IRA custodian automatically retitles the account as an inherited IRA.  Besides, wouldn’t they do what’s best for you?  Should you leave it that way, or […]

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IRS Forms You May Need

by Craig Moser on November 17, 2017

Have you ever wondered how the IRS receives all that financial information?  The short answer is forms.  Lots and lots of IRS forms!  According to Reference.com, the IRS website contained 896 different tax forms in 2015.  And while the data […]

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