IRAs

Liquidity from IRA’s

by Craig Moser on May 18, 2018

You’re probably like many Americans with your 401k’s and IRA’s being your largest pool of assets. Therefore, in times of financial trouble, you may want liquidity from your IRA. Due to the possible negative effects on your retirement savings, and […]

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Guidelines For Spousal IRA Contributions

by Craig Moser on April 20, 2018

Spousal IRA’s are unique.  They allow a working spouse to make IRA contributions for a spouse who doesn’t work or doesn’t have enough earned income to make individual IRA contributions.  There are some specific rules and requirements, but they help […]

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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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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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Roth Conversions and the 10% Penalty

by Craig Moser on October 13, 2017

Roth IRA rules are complicated.  One especially complex area is understanding Roth conversions and the 10% penalty.  Here are five things you need to know. 1.  10% Penalty and Roth IRA Conversions The 10% early distribution penalty doesn’t apply to […]

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Once-Per-Year Rollover Rule Exceptions

by Craig Moser on September 22, 2017

As with most IRA rules, there are exceptions to the once-per-year rollover rule.  The rule applies to IRA-to-IRA and Roth-to-Roth 60-day rollovers.  Just to be clear, an IRA rollover occurs when a check is issued from the IRA or Roth […]

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