IRAs

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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Paying Uncle Sam When You Retire

by Craig Moser on July 27, 2018

There’s an old saying, “you can pick your friends but you can’t pick your family!”  Even if we could, no one would pick Uncle Sam because he always wants your money; even when you retire.  Have you thought about paying […]

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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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Taxes and Your Future

by Craig Moser on June 1, 2018

Have you thought about taxes and your future? We all know the government has bills to pay. To do that, they need tax revenue. Generating that tax revenue is debated with two primary choices.  Either ask a smaller percentage of […]

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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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