IRAs

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 […]

Continue Reading

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 […]

Continue Reading

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.  […]

Continue Reading

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 […]

Continue Reading

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 […]

Continue Reading

Once-Per-Year Rollover Rule Exceptions

by 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 […]

Continue Reading

Quiz: What is a Rollover?

by Craig Moser on June 23, 2017

Many people think it’s easy to move retirement assets…but is it really?  Take our short quiz to test your knowledge and answer the question:  What is a Rollover?   The Quiz You are moving funds out of your employer-sponsored plan […]

Continue Reading

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, […]

Continue Reading

Ready to get MORE out of your retirement?

Kickstart your retirement plan by requesting our complimentary MORE toolkit today.
Here's what you'll get:

Customized Social Security Benefit Summary
to help maximize the payments you are entitled to

Financial Organizer
to summarize all aspects of your financial affairs

Portfolio Evaluation
showing how your investments have performed historically and the fees that you are paying

Show Buttons
Hide Buttons