These reports cover current, single subject issues with IRAs and company retirement plans.
September 2023
IRA Beneficiary Payout Rules That May Surprise NonSpouse Beneficiaries September 6, 2023
August 2023
IRA Beneficiary Payout Rules-The Madness Continues August 30, 2023
IRS Delays Effective Date of Mandatory Roth Catch Up Rule Until 2026 August 28, 2023
How The Roth IRA 5 Year Rule Works August 23, 2023
RMD Relief? No Thank You! August 14, 2023
Anomalies And Exceptions August 9, 2023
What Are The Fules For Penalty-Free Higher Education Expense Withdrawals August 7, 2023
What You Need To Know If You Name Minor As Your IRA Beneficiary August 2, 2023
July 2023
Roth Conversion Confusion-Taxes Withheld When Under 59 1/2 July 31, 2023
Q and A’s On Recent IRS RMD Relief July 26, 2023
Help A Young Person Use Summer Earnings To Start A Roth IRA July 24, 2023
Trust As IRA Beneficiary-A Potentially Catastrophic Problem July 19, 2023
5 Ways Excess IRA Contributions Happen July 12, 2023
Summertime Similes and Metaphors-No Shirts or Shoes Required July 10, 2023
Why You Should Not Rollover Your Company Funds To An IRA July 05, 2023
June 2023
Why You Should Rollover Your Retirement Funds To An IRA June 28, 2023
Death Of An IRA Beneficiary Before Claiming The Account June 26, 2023
Spousal Rollovers June 7, 2023
ALAR-The At Least As Rapidly Rule June 5, 2023
May 2023
A Better Way Of Understanding The Once Per Year Rollover Rule May 22, 2023
HSA Benefits That May Surprise You May 17, 2023
Mandatory Roth Catch Up Contributions Required For 2024, May 10, 2023
Conversion As A Gift To Your Beneficiaries May 8, 2023
How The Retirement Plan Compensation Limit Works May 1, 2023
April 2023
Roth IRA vs Roth 401(K) April 27, 2023
The 5 Year Rule For Converted Roth IRA Funds April 26, 2023
Do Spouses Have Any Rights To Retirement Plan Accounts April 19, 2023
Five HSA Rules You Need To Know April 5, 2023
Facts Of The Higher Education IRA Penalty Exception April 3, 2023
March 2023
Vesting In Company Plans and New IRS Forfeiture Rules March 29, 2023
Five Facts You Need To Know About FDIC Insurance And Your IRA March 27, 2023
Can I Reach My 401K Funds While Still Working March 20, 2023
3 Tips For Making Your 2022 IRA Contribution March 15, 2023
Naming A Minor As Your IRA Beneficiary March 6, 2023
February 2023
EDBs Have A Choice Stretch vs. 10 Year February 20, 2023
How The IRS Contribution Limits Work When You’re In Two Plans February 15, 2023
5 Things To Know When Making a 2022 Roth IRA Contribution February 13, 2023
SECURE 2.0 Allows Roth Employer Contributions in 401K Plans February 6, 2023
January 2023
IRA RMD Age Made Easy January 30, 2023
SECURE 2.0 Changes Already In Effect January 25, 2023
SECURE 2.0 Eliminates RMDs On Roth Plan Dollars In 2024 January 18, 2023
SECURE 2.0 Allows Rollovers Of 529 Funds To Roth IRAs In 2024 January 16, 2023
New SECURE 2.0 10% Penalty Exceptions Domestic Abuse & Financial Emergencies January 9, 2023
SECURE 2.0 Changes That Apply To Workplace Plans January 4, 2023
Top Takeaways From SECURE 2.0 for 2023 January 2, 2023
December 2022
Big Increase In Many 2023 Retirement Plan Contribution Limits December 12, 2022
Automatic Waiver of 50% Penalty For Missed Year Of Death RMD December 7, 2022
November 2022
A Refresher Course On Multiple Plan Contribution Limits November 30, 2022
NUA Trigger Activators November 16, 2022
How Are 2023 RMDs Calculated For Beneficiaries Who Got RMD Relief? November 9, 2022
IRA Transactions That Can Be Missed November 7, 2022
A Tax Free Roth IRA Distribution In 5 Easy Steps November 2, 2022
October 2022
The Required Beginning Date Is Now A Really Big Deal October 31, 2022
The Clock Is Ticking On 2022 Conversions October 24, 2022
A Clear Explanation Of The RBD October 17, 2022
IRS Waives Penalty For Missed 2021 and 2022 RMDs Within The 10 Year Period, October 10, 2022
September 2022
How Are Roth 401K Distributions Taxed September 21, 2022
QCDs And The Absolute Necessity For A CWA September 19, 2022
3 IRA Rules To Know Before You Walk Down The Aisle September 14, 2022
Roth IRA Distribution Ordering Rules September 7, 2022
August 2022
Your Age And Your Roth Conversions August 31, 2011
Caught In A Trap: RMDs From 401K Plans In The Year of Retirement August 29, 2022
Roth Conversion-Oops! August 24, 2022
How An ESA Can Help With Back-To-School Expenses August 22, 2022
A Retirement Account Scorecard August 17, 2022
Year of Death RMD August 15, 2022
What You Need To Know About The Still Working Exception August 10, 2022
The Unpleasant Surprise Of The Accuracy-Related Penalty August 8, 2022
Inherited IRA Q & As August 3, 2022
Four Things To Know About Your Plan Rollover and Your RMD August 1, 2022
July 2022
Direct Transfers, Direct Rollovers and 60 Day Rollovers July 25, 2022
Conduit IRA-Is It Really Necessary? July 13, 2022
4 QCD Rules That May Surprise You July 11, 2022
Should I Accept A Lump Sum Buyout Offer July 6, 2022
June 2022
Too Old To Convert? Think Again June 27, 2022
When The Five Year Rule Applies June 15, 2022
One Roth IRA Bucket June 8, 2022
When A Reverse Rollover Makes Sense June 1, 2022
May 2022
Watch Out For The Once-Per-Year Rollover Rule May 23, 2022
How The Vesting Rules Work For Company Retirement Plans May 18, 2022
How Your IRA Can Help If You Are A First-Time Home Buyer May 11, 2022
Investing Your IRA In Crypto May 2, 2022
April 2022
First Dollars Out Rule And The Still Working Exception April 25, 2022
Understanding The Same Property Rule April 20, 2022
March 2022
The 3 Exceptions To The Pro-Rata Rule That You Need To Know March 30, 2022
$1,512,350 Is The New $1,362,800 March 28, 2022
Deciphering Your 401(K) Statement March 16, 2022
SECURE Act Regs Bring New Roth IRA Advantage March 9, 2022
Age of Majority And The New SECURE Act Regulations March 2, 2022
February 2022
What Protection Do Spouses Get In Company Plans February 21, 2022
January 2022
One IRA Rollover Per Year-Based On Distributions January 19, 2022
QCD Reminders and Pitfalls January 10, 2022
December 2021
Exceptions To The Pro Rata Rules-Ways To Isolate Basis December 8, 2021
November 2021
The 401K Hardship Withdrawal Rules In A Nutshell November 10, 2021
Clarifying Some Roth Conversion Misconceptions November 8, 2021
October 2021
Retirement Planning For The Self Employed October 25, 2021
September 2021
Restrictions On 401K In Service Withdrawals September 29, 2021
August 2021
Aggregating RMDs-What Is (And What Is Not) Allowed August 23, 2021
July 2021
5 HSA Benefits That May Surprise You July 28, 2021
June 2021
Not More Than 10 Years Younger EDB June 28, 2021
5 Things To Know About the Age 55 Rule June 23, 2021
May 2021
How The Once Per Year Rollover Rule Is Misunderstood May 26, 2021
Excess IRA Contributions May 24, 2021
Special Rules for Spouse IRA Beneficiaries May 19, 2021
Are You Ready For The Son of SECURE? May 10, 2021
April 2021
The IRS May Be Coming After Your Solo 401(K) Plan April 26, 2021
Active Participation and IRA Deductibility April 21, 2021
Who Must Take The Year Of Death RMD April 7, 2021
March 2021
Retirement Account Alphabet Soup March 3, 2021
February 2021
Roth IRA Contributions and Your Tax Return February 24, 2021
When a “Reverse Rollover” Makes Sense February 22, 2021
Transferring A Roth IRA After Divorce-3 Logical Considerations February 17, 2021
What Happens If I Terminate Employment with an Unpaid 401K loan? February 10, 2021