Roth

How Well Do You Understand Retirement Plan Rules?

Qualified retirement plans, such as IRAs and 401(k)s, have many rules, and some of them can be quite complicated. Take the following quiz to see how well you understand some of the finer points. 1. You can make an unlimited number of retirement plan rollovers per year. A. True B. False C. It depends 2. …

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Why You May Want to Consider a Roth Conversion Now

Tax policy will play a big role in the election.  The current tax rates are due to sunset after 2025.  That means for most taxpayers, there will be an increase in taxes in the future.  Should there be a change in administration after this election season, there is a possibility the rates will sunset sooner, …

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Thinking About a Roth Conversion This Year?

The low tax environment coupled with market volatility makes Roth Conversions even more appealing this year. The current tax rates are set to sunset after 2025; possibly sooner should there be a change in administration after this election season. Roth IRAs are an important retirement planning tool because not only do they grow tax free, …

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Four Questions on the Roth Five-Year Rule

The Roth “five-year rule” typically refers to when you can take tax-free distributions of earnings from your Roth IRA, Roth 401(k), or other work-based Roth account. The rule states that you must wait five years after making your first contribution, and the distribution must take place after age 59½, when you become disabled, or when …

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November 2019 Monthly Recap

Don’t Forget to Set Your Clocks Back! Daylight Savings Time ends this weekend, and it is time to “fall” back. Don’t forget to adjust your clocks back one hour on Nov. 3 at 2 a.m. and enjoy an extra hour of sleep!     Is Now The Time to Refinance?  If you have been considering …

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