1. Investment News' Mary Beth Franklin Highlights New Retirement Plan Options And Contribution Limits For 2013
(Matching tags: IRA,retirement income,retirement planning)

Investment News’ Mary Beth Franklin has put together a retirement plan cheat sheet for 2013.   It’s a wonderful and entertaining amalgamation of contribution limit changes and ...

2. Boston College Research Finds IRS Mandated Withdrawals At Age 70 1/2 Work Better Than 4% Rule
(Matching tags: IRA,retirement income,investing for income)

The original purpose of an IRA was to give retirees without a company pension plan a simplified option for saving for retirement. Retirement withdrawals from IRAs are mandated to begin at age 70 ½. ...

3. IRA Advisors' Fiduciary Status Back In Focus As Study's Methodology Comes Into Question
(Matching tags: retirement plans,fiduciaries,IRA)

There’s new pushback on the proposal that IRA advisors be brought under the fiduciary standard. The study used to state that such a rule would raise fees significantly was conducted by the Oliver ...

4. Delaying Receipt Of Social Security Benefits Should Be A Targeted Strategy In Retirement Planning
(Matching tags: social security,retirement planning,IRA,401(k))

Clients who put off taking their Social Security benefits not only get a larger check when they do start tapping the fund, they also end up buying an annuity that pays much better in today’s low ...

5. An Outlier Case Illustrates The Need To Dig Further For Client Information
(Matching tags: retirement planning,IRA,client communications)

In yet another case of how family dynamics affect investment advice, a man who left his pension to his wife. On the surface, this would seem to be a pretty normal state of affairs. The catch is, this man ...

6. Investors Exceeding Roth IRA Income Thresholds May Be Able To Make Indirect Contributions
(Matching tags: IRA,roth ira conversion,tax efficient investing)

A 3.8% tax on investment income scheduled to be effective in 2013 will not affect investors with Roth IRAs. That’s because most Roth investors have income below than the $200,000 threshold for ...

7. Most Investors Between 18 And 34 Are Unaware Of The Benefits Of IRA Accounts
(Matching tags: client education,IRA,retirement)

Investors of all ages are not taking full advantage of the benefits of IRA accounts. This means even younger investors could end up short when they reach retirement age. In a recent survey conducted ...

8. Baucus Proposal To Liquidate IRAs Within Five Years Of Death Meets Its Own Death
(Matching tags: IRA,Congress)

In one of the more perplexing legislative chain of events it appears that Senator Max Baucus’ proposal that IRAs must be liquidated within five years of death has met its own death, at least ...

9. An New Take On Value Investing: Use Your IRA
(Matching tags: IRA,retirement planning,value investing)

Value investing with your IRA may offer interesting alternatives, especially if you have a self-directed IRA. These IRAs are a bit more flexible than other retirement plans and, as long as certain rules ...

10. Rollover Investors May Be Eager To Work With Advisors, But Where Are They?
(Matching tags: IRA,401(k))

Once again, the survey numbers on 401(k) rollovers speak loud and clear -- but ground-level advisors may have trouble believing the conclusions.

11. IRS Private Letter Ruling Waives 60-Day IRA Rollover Rule For Surviving Spouse Claiming Duress
(Matching tags: Internal Revenue Service,IRA)

In a recent private letter ruling, the IRS waived the 60-day IRA rollover rule for a surviving spouse who claimed financial illiteracy and duress. However, the wording of Section 408 of the Internal Revenue ...

12. Non-Spousal Beneficiary Allowed To Roll Over Distributed Funds To Inherited IRA
(Matching tags: IRA)

In PLR 201139011, a non-spousal beneficiary was allowed to transfer her inherited qualified plan to an inherited IRA under IRC Sec. 402(c)(11) despite the fact that a lump sum distribution had been taken ...

13. IRS Offers Forgiveness For Missed SEPP Distribution
(Matching tags: IRA,SEPP,IRS,tax planning)

In a surprising decision by the IRS, a taxpayer who did not take the full amount of a series of equal periodic payments (SEPP) was not considered to have modified the SEPP, saving the taxpayer a 10% early ...