IRAs

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 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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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 […]

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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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Roth vs. Traditional IRA

by Craig Moser on February 3, 2017

I know a woman named Jennifer, who thanks herself when she benefits today from something she did previously.  It might be as simple as having milk in the refrigerator because she stopped for a gallon the night before.  Retirees with […]

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Mailbox Money

by Craig Moser on December 30, 2016

As we move through time, we seldom think about what life will be like when we retire.  You work for 25- 35 years and get paid regularly for your efforts.  Then one day you stop working and the paychecks stop […]

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