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18th September 2009
If you have ever heard me speak on tax or wealth strategies, you've probably heard me say that I am not a big fan of 401(k)s or IRAs.
One of the reasons I am not a big fan of Traditional IRAs and 401(k)s is because they only defer tax. While tax defer... Read >
Author: Tom Wheelwright17th September 2009
An IRA is a retirement investing tool that can be either an "individual retirement account" or an "individual retirement annuity". There are several types of IRAs: Traditional IRAs, Roth IRAs, SIMPLE IRAs and SEP IRAs.
Traditional and Roth IRAs are est... Read >
Author: mahesh.sagaciti07th September 2009
Saving for retirement is even more important for solo-entrepreneurs because you don’t have a company sponsored pension plan or matching 401K contributions to rely on. There are many retirement plans available to self employed individuals and small busi... Read >
Author: wbdoyle31st July 2009
You can lose your assets to creditors (whom you've borrowed from), to claims under divorce or paternity suits, to trumped-up claims against your deep pockets, or to government for taxes owed.
What you have in your IRA or other qualified plan has some a... Read >
Author: Shane Flait18th July 2009
While 401k accounts are run by your employer, a Roth IRA is control by you as an individual. Roth IRAs invest your monies in a variety of different markets. The Roth IRA taxes contributions as they're made instead of in the future. You will lose a lot o... Read >
Author: Tyson Best12th June 2009
Copyright (c) 2009 Selwyn Gerber
IRAs now compromise a significan portion of individual's estates. An increasing number of IRAs may be left to heirs as this trend continues. IRA distribution laws have recently changed, allowing heirs to take distribu... Read >
12th June 2009
In Naperville financial planning services are crucial. With favorable interest rates and a local economy well above the national average, investing your money wisely has never been more important. Financial planning services come in a wide array of scopes... Read >
Author: Elle Wood11th June 2009
Many people do not save for retirement because they do not understand 401K and IRA talk. The terms and tax advantages are overwhelming and they don’t understand how the retirement account affects their income tax return.
There are many different ty... Read >
Author: Michael12th May 2009
With real estate prices depressed and a lot of wealth sitting in qualified plans, you may wonder how you can use that wealth to invest in real estate. In this article I offer considerations and strategies for using your IRA to position yourself in real es... Read >
Author: Shane Flait09th April 2009
Investing for retirement in IRAs is a good idea, especially right now when there are so many bargains in the stock market. A Roth IRA allows a contributor to have more flexibility in their plan when it comes to choosing stock in which to invest. Unlike ot... Read >
Author: ArthurMavericck09th April 2009
Investing for retirement in IRAs is a good idea, especially right now when there are so many bargains in the stock market. A Roth IRA allows a contributor to have more flexibility in their plan when it comes to choosing stock in which to invest. Unlike ot... Read >
Author: ArthurMavericck18th February 2009
What do you do when your new boss doesn't offer a retirement plan? Walter Updegrave shows you where to find the money.
Question: I contribute to my 401(k), but a firm that doesn't offer a 401(k) recently bought my wife's company. We both contribute the... Read >
Author: JamesTomb09th January 2009
Among the many changes that went into effect for 2008 tax year is a new tax credit for first-time home buyers and higher income and contribution limits for funding tax-deductible Individual Retirement Accounts and tax-free Roth IRAs.
In addition, there... Read >
Author: Rick Thomas27th November 2008
Retirement is the start of second innings of your life. This is the time that is supposed to give you all the freedom, time and resources to fully enjoy your life. Not all people can enjoy retirement life as they should, owing to financial difficulties,... Read >
Author: Dev Saras22nd November 2008
Imagine how good you will feel, leaving work the last time, knowing you have a Roth IRA with a whole lot of money in it, and you don't have to pay any tax to the IRS department!
Millions of American's who contribute to a Roth IRA retirement plan will e... Read >
Author: Mike Iredale10th November 2008
Ever wondered how to maximize the returns you make on your retirement investments? Many people have incurred huge losses due to the economic downward spiral we are finding ourselves in. The first step in recuperating those losses is rolling over from a tr... Read >
Author: Laurel Cohen10th November 2008
I don't know a thing about you, but I'll bet that you aren't exactly impressed with the returns you have been getting on your retirement investments. Many people have incurred big losses due to the recent economic turmoil. Rather than crossing your finger... Read >
Author: Laurel Cohen04th November 2008
If you're like most people, you're probably gritting your teeth as you hear one news story after another predicting the looming economic recession. Whether you're worried about losing your job, you have lost a lot of money in stocks, or you simply aren't ... Read >
Author: Laurel Cohen04th November 2008
Ever wondered what it takes to get the most out of your retirement investments and build a secure financial future? Contrary to popular belief, estate planning with IRAs is not reserved for the rich. Estate planning is necessary if you want to avoid commo... Read >
Author: Laurel Cohen04th November 2008
It's unbelievable how little people know about Roth IRAs and other retirement investment options. In order to maximize your benefits and returns, it is important to learn the basics of what IRAs are about and which account would benefit you most. Roth IRA... Read >
Author: Laurel Cohen04th November 2008
Are you plain fed up with the annual 2 to 3 percent returns you are getting on your retirement investments? You'd be surprised to learn that by rolling over to a self-directed Roth IRA you can maximize your returns to over 15%. In order to do so, your fir... Read >
Author: Laurel Cohen04th November 2008
Let's face it. With the way the economy is going today, investing in stocks is as worrisome as it is unprofitable. If you're stuck in an employer-sponsored plan, your first step should be to rollover into a Roth IRA. Roth IRA investing is much more flexib... Read >
Author: Laurel Cohen04th November 2008
Just imagine if you could double or even triple the returns from your retirement investments. Sadly, many people believe that 2 to 3 percent is a reasonable Roth IRA rate of returns. If they only knew that by self-directing their account, they could be ma... Read >
Author: Laurel Cohen21st October 2008
Approximately 50 million Americans are IRA account holders, however less than 4 percent are self-directed IRAs or self-directed Roth IRAs. Traditional IRA holders are missing out on far greater potential returns, by restricting themselves to specific asse... Read >
Author: Mike Iredale09th June 2008
With all of the news of the poor performance of the stock market lately, I field many questions regarding contributions to 401(k) and other retirement accounts. Should we invest in something that appears to be heading down at an alarming rate?
In case... Read >
Author: Lukasavige09th June 2008
With all of the news of the poor performance of the stock market lately, I field many questions regarding contributions to 401(k) and other retirement accounts. Should we invest in something that appears to be heading down at an alarming rate?
In case... Read >
Author: Lukasavige08th May 2008
This article is intended to be a review of Dave Ramsey's "7 Baby Steps to Financial Peace."
Dave Ramsey's 7 Baby Steps program was designed by him to be very simple for anyone to follow. When a person is trying to take control of their finances they mu... Read >
Author: Lucas02nd May 2007
Roth IRAs are wonderful long-term investment vehicles that secure your savings for retirement. Late Senator William Roth incepted the Roth IRA to give Americans an alternative saving option for retirement. The Roth IRA benefits include tax-exempt earnings... Read >
Author: TJP30th April 2007
Given the tax-free distributions from Roth IRAs, one is tempted to stuff every penny possible into one. Alas, the IRS isn’t particularly keen on such an approach.
The Roth IRA is a very effective tool in a life long financial planning process. It is ... Read >
Author: Barry Waxler12th March 2007
Dual income families and megabucks 401(k) plans are common socio-economic trends that get today's Boomers thinking about early retirement. If you elect to retire early and roll your 401(k) plan into an IRA, how can you best set up a withdrawal plan?
Fi... Read >
Author: Robert D. Cavanaugh, CLU01st March 2007
The distribution rules required at the death of an IRA owner depend on several things:
1. Did the IRA owner die before or after the “required beginning date”?
2. Who is the beneficiary?
In order to carry out the wishes of the IRA owner, evalu... Read >
Author: Robert D. Cavanaugh, CLU20th February 2007
How well do you know Roth IRAs? Here are five tough questions. Let's see how you do…
1. I am 72 years young and still working. Can I set up a Roth IRA?
Yes. Unlike a traditional IRA, which does not allow contributions past age 70 1/2, Roth IRAs ha... Read >
Author: Robert D. Cavanaugh, CLU07th February 2007
Once upon a time there was a man named Joe who decided he
wanted to be a fisherman. He went out looking for work and
found a job on a fishing boat. Joe was very dedicated and
hardworking. He planned on working on the boat the entire day.
After all... Read >
Author: Chemain Evans18th November 2006
10 Fact on Pension Law every IRA Taxpayer Needs to Know About.
An IRA is a retirement investing tool that can be either an "individual retirement account" or an "individual retirement annuity". There are several types of IRAs: Traditional IRAs, Roth I... Read >
Author: Annabel Cruz03rd September 2006
2006 is a little more than half way over but we have already seen some major changes in the IRA rules. This article will summarize two of these changes and what they mean to you.
Income Limit for Roth IRA Conversion Repealed
Clients often ask me w... Read >
Author: Matthew Tuttle01st September 2006
The Ins and Outs of IRAs and Retirement Plans
The Economic Growth and Tax Relief Reconciliation Act of 2001 promised to deliver important benefits to nearly every American. The Act included tax-rate reductions, child credit increases, marriage pena... Read >
Author: Matthew B Gournay29th July 2006
An odd quirk in the recent legislation to extend the Bush Tax Cuts is giving IRA holders a huge break. For one year, and one year only, the income cap will be gone.
Convert To Roth IRA Regardless of Income 2010
2010 may seem like a long way off, ... Read >
Author: Richard Chapo20th July 2006
Most articles about 401(k) plans, traditional IRAs and Roth IRAs focus on rules and regulations. Contribution limitations and income tax issues usually take precedent.
Unfortunately, little attention is given to the matter of control. This refers to o... Read >
Author: Tomas Cullin17th July 2006
It is never too early to begin preparing for your retirement and one of the best ways to prepare is to set up an Individual Retirement Account (often referred to as an IRA).
The purpose of an IRA is to serve as a personal tax-qualified retirement savi... Read >
Author: David Silva16th June 2006
Copyright 2006 Ronald Hudkins
An IRA is an IRA is an IRA, unless it's a Roth IRA. Roth IRAs, which burst upon the investment scene not so long ago, offers some attractive departures from traditional IRAs, especially if it's being used as a retirement ... Read >
Author: Ronald Hudkins20th April 2006
If you are like millions of Americans, you have spent several years saving your hard-earned cash. However, most of the time a simple interest-earning savings account is not enough! If you intend to prepare adequately for your future, you need to investig... Read >
Author: Scott Brown15th March 2006
When it comes to preparing our taxes, many of us could use some help. The following websites offer guidance and information that may assist you in learning about how to get the most out of filing your returns.
Fairmark.com
www.fairmark.com
Recomm... Read >
Author: Calvin Golden06th March 2006
Copyright 2006 Kristine McKinley
Saving for retirement is even more important for solo-entrepreneurs because you don't have a company sponsored pension plan or matching 401K contributions to rely on. There are many retirement plans available to self e... Read >
Author: Kristine McKinley14th January 2006
As a parent, the big financial concern with a newborn is how to set aside enough money to assist for a college education. Universities and state governments have developed many different financial savings plans to encourage parents to save money for colle... Read >
Author: Francis Kier10th December 2005
Parents must give serious thought to protecting their family through estate tax planning. While life insurance and trusts should be a part of every plan, Roth IRAs can be a simple tool for passing money to your child on a tax-free basis.
Roth IRA
Fi... Read >
Author: Richard Chapo
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