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The Slott Report
5 Retirement Savings Strategies for Younger Workers
Monday, September 11, 2017
No one can argue that the millennial generation faces big challenges when it comes to savings. Younger workers are dealing with record setting student loan debt, high housing costs and stagnant wage growth. It’s hard to save for retirement when you are worried about the next month’s rent. Here are five strategies to help younger workers get started saving for retirement.
You Must Play by the Rules with RMDs and QCDs: Q&A Mailbag
Thursday, August 24, 2017
This week's Slott Report Mailbag examines Roth IRA transfers, QCDs and RMDs.
Say Goodbye to the myRA Account
Wednesday, August 16, 2017
On July 28, the Treasury Department announced that it was ending the myRA program. The Department issued a very brief statement saying that as part of the Administration’s effort to assess existing programs and promote a more effective government it was determined that this program was not “cost effective” due to its low enrollment.
5 Strategies to Reduce RMDs
Monday, July 17, 2017
Nothing lasts forever. This includes tax deferral on your IRAs. Eventually, Uncle Sam is going to want his share and will require funds to come out of these accounts. That is when required minimum distributions (RMDs) must begin. What if you don’t need the money? What if you don’t want a tax hit? Here are five strategies to reduce your RMDs.
Once-Per-Year Rollover Rule – The Exceptions to the Rule
Wednesday, June 28, 2017
As with most IRA rules, there are exceptions to the once-per-year rollover rule. The rule applies to IRA-to-IRA and Roth IRA-to-Roth IRA 60-day rollovers. Just to be clear, an IRA rollover occurs when a check is issued by the IRA or Roth IRA custodian that is payable to the account owner. The following are the exceptions.
Calculating RMDs with Multiple Beneficiaries: This Week’s Q&A
Thursday, June 15, 2017
This week's Slott Report Mailbag looks into calculating RMDs with multiple beneficiaries and inheriting IRAs.
The 10% Penalty and Converted Funds - Five Things You Need to Know
Wednesday, June 14, 2017
The Roth IRA rules can be complicated. One area that is especially complex is understanding how the 10% penalty applies to converted Roth IRA funds. Here are five things you need to know if you already have converted funds in your Roth IRA or if you are just trying to decide whether Roth conversion is the right strategy for you.
How a Roth 401(k) is Different than a Roth IRA
Monday, June 05, 2017
Roth 401(k)s and Roth IRAs have a lot in common. Both offer the ability to make after-tax contributions now in exchange for tax-free earnings down the road if the rules are followed. However, there are some important differences between the two plans that you will want to understand.
Three Ways to Decimate a Retirement Account in a Flash
Wednesday, May 31, 2017
If you want to move your retirement account from one institution to another, you can do it one of two ways; directly or indirectly. Moving your account directly is the preferred way because it avoids a lot of headaches, but for various reasons, sometimes people choose to use the indirect method.
Tax-Free Roth IRA Conversions?
Tuesday, May 30, 2017
We received many questions this past tax season about Roth IRA conversions that were supposed to be tax-free, but were not.
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