IRAs

Chocolate Cake

by Craig Moser on January 17, 2020

Most of us have heard “everything in moderation”, especially when referring to healthy eating.   For example, you may love chocolate cake.  You may even have a slice once a week, and that’s okay.  After all, everything in moderation.  But would […]

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Naming Your IRA Beneficiary

by Craig Moser on January 3, 2020

Naming your IRA beneficiary requires serious consideration.  Completing the IRA beneficiary designation form is part of your overall estate planning.  Because the outcomes vary depending on your choice, you should understand the options. Your Spouse For many, naming your spouse […]

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Death, Taxes, and Missed RMDs

by Craig Moser on December 13, 2019

Every year thousands of traditional IRA account owners turn 70 ½ years old. In addition, each year thousands of younger non-spouse beneficiaries inherit traditional and Roth IRA accounts. What do these two groups of people have in common? They all […]

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Paying for College With Your Roth IRA

by Craig Moser on July 5, 2019

As college costs continue to increase, parents are exploring every possible tool available to meet those costs.  Roth IRAs can play a significant role, but the rules can be confusing.  Before paying for college with your Roth IRA, make sure […]

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Tax-Deferred Savings and Tax Rates

by Craig Moser on May 24, 2019

It can be very hard for people to grasp the fact that contributing to a tax-deferred IRA and/or 401k plan isn’t necessarily the best choice. There is a question of national debt, and a strong probability taxes will be higher […]

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The Benefits of a Direct Transfer

by Craig Moser on April 26, 2019

There may come a time when you decide to rollover an IRA.  When you’re in this situation, you need to understand the benefits of a direct transfer (direct rollover) versus a 60-day rollover (indirect rollover).  Because this directly impacts your […]

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Roth IRA Rules

by Craig Moser on February 26, 2019

Roth IRAs offer a unique trade-off.  You pay taxes now on money contributed or converted to a Roth IRA.  In exchange, your future earnings and withdrawals are tax-free.  However, there are rules that must be followed.  Because we don’t want you […]

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Roth Conversion FAQs

by Craig Moser on January 11, 2019

If a savings vehicle with tax-free growth potential and tax-free withdrawals in retirement sounds good to you, you should probably consider a Roth IRA.  Even if you can’t contribute to a Roth IRA (because of income limits), you might still […]

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Getting Tax Efficient

by Craig Moser on November 30, 2018

I frequently see people losing money to taxes.  Usually it’s because they don’t consider (or understand) the impact different types of investments have on taxes.  The trade-off of getting tax efficient is accepting short-term costs for long-term benefits.  Below are […]

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