retirement plan

IRA Cross Loans – Don’t Even Think About It

by jblankenship.

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Don’t attempt to go around the prohibited transaction rules by using cross loans with your IRA. It won’t turn out well.

IRA Charitable Distributions – If You’re Less Than Age 70½

Apr 18th, 2022

by jblankenship.

1 comment

Can you make IRA charitable distributions before age 70½? What are the tax consequences for doing this? How does it all work?

Prohibited Transactions and Disqualified Persons

Apr 11th, 2022

by jblankenship.

5 comments

There’s a fine line when transacting business with individuals using your IRA. You need to make sure they’re not prohibited transactions.

Social Security’s PIA – What is this?

Mar 28th, 2022

by jblankenship.

2 comments

Do you know what PIA means, with regard to Social Security? It’s a very important number, the basis of many if not all important calculations.

Are You Really Diversified?

Feb 21st, 2022

by jblankenship.

1 comment

You may not be as diversified as you think. Learn more about correlation among various asset classes and how you can use this to your benefit

Social Security vs. Saving

Feb 14th, 2022

by jblankenship.

4 comments

Examining Social Security versus saving – a hypothetical exercise, answering if we’re better off with Social Security or saving the money.

Rolling Over Your Roth 401(k)

Jan 3rd, 2022

by jblankenship.

4 comments

Rolling over a Roth 401(k) can make a lot of sense. There are a couple of things to think about, but it’s a good idea most of the time.

3 Ways of Dealing Without Recharacterization

Dec 20th, 2021

by jblankenship.

1 comment

Recharacterization of a Roth conversion has been gone for quite a while now. Risk reduction is more complicated now, but still possible.

Combining IRAs with Other Retirement Plans

Nov 1st, 2021

by jblankenship.

2 comments

Do you know the rules for combining various retirement plans with one another? It’s important to know these so you don’t do it wrong.

How to Bypass Mandatory Withholding on a 401(k) Distribution

Oct 18th, 2021

by jblankenship.

3 comments

When you take a distribution from your 401(k), 20% is withheld automatically. How can you bypass this withholding?

Order of Roth IRA Account Distributions

Sep 27th, 2021

by jblankenship.

1 comment

Do you know the ordering rules for Roth IRA distributions? Do you know why they’re important? Read on for the how & why of this rule.

No, You Can’t Contribute Stocks to Your IRA

Sep 20th, 2021

by jblankenship.

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Ever wonder if you could just contribute stock to your IRA? Follow along for the answer to this interesting question.

Avoiding Taxation of 401(k) Loan

Sep 13th, 2021

by jblankenship.

4 comments

What should you do if you have a 401k loan and you leave the employer? You actually have some good options available to you.

Double, Double, Toil and Trouble

May 3rd, 2021

by jblankenship.

2 comments

It’s possible to accidentally pay double tax on your inherited IRA, unless you know how the IRD deduction works. This article outlines how it works – which may be important to you in the future when estate tax exemptions are reduced.

Should You Take or Postpone Your First RMD?

Mar 29th, 2021

by jblankenship.

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The first year of RMD presents a planning opportunity. What should you think about as you consider the timing of this withdrawal?

401(k) – Good For Many, But Not Necessarily the Employee

Mar 15th, 2021

by jblankenship.

7 comments

The 401(k) plan is generally seen as a good thing – promoting retirement savings and providing incentives for saving. But it’s not all good.

5 Tactics for Required Minimum Distributions

Mar 1st, 2021

by jblankenship.

2 comments

If you’ve got to take required minimum distributions, here are several options for how you should plan them.

Rolling Your IRA into a 401(k) – to Avoid RMD

Dec 21st, 2020

by jblankenship.

1 comment

One way to avoid RMD is to rollover your existing IRA into an employer’s 401(k) plan, if you’re still employed at age 72.

Post-Death Options for Directing a Retirement Plan to a Spouse

Nov 2nd, 2020

by jblankenship.

1 comment

There are a few post-death options that you might be able to use to direct a retirement plan to a surviving spouse.

Mistakes With NUA

Oct 5th, 2020

by jblankenship.

2 comments

If you’re not careful there are several mistakes with NUA that can cause big problems for you. Pay attention when using NUA.

retirement plan

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