Beneficiaries

Taking Control of the Financial Keys

by Craig Moser on September 21, 2018

Whether taking control of the financial keys from your parents, or making things easier for your own children, everyone should review important health, financial and estate documents annually.  Here are some steps you can take now before a health crisis […]

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Roth IRA as a Tax-Advantaged Legacy

by Craig Moser on July 13, 2018

Roth IRAs are amazing tools for accomplishing wealth creation and transfer. One creative use of a Roth account is naming a young child as the beneficiary. At your death, the child takes minimum required distributions (RMDs) for his/her own life […]

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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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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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Quiz: An Accidental Beneficiary

by Craig Moser on June 2, 2017

If you own an IRA, you probably want it to pass to the correct beneficiaries.  I seriously doubt you want an accidental beneficiary inheriting your hard-earned assets. Knowledge is power and you need to be aware of the rules governing […]

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Splitting an Inherited IRA: The Stretch

by Craig Moser on April 27, 2017

Generally, the goal when naming beneficiaries on an Inherited IRA is for them to stretch required minimum distributions out as long as possible.  The tax code and current regulations support this goal by making the stretch option the default.  However, […]

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