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The Slott Report
The Slott Report
Is There a Way Around the 10% Early Distribution Penalty? This Week’s Q&A
Thursday, August 17, 2017
This week's Slott Report Mailbag looks into the one-rollover-per-year rule, RMDs and the 10% early distribution penalty.
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.
Back to School? 10 Things You Must Know About Using Your IRA for Educational Expenses
Monday, August 14, 2017
The arrival of fall means that it’s back to school time! This also means it is time for new school supplies and other bigger expenses. Are you thinking about using your IRA to pay that large tuition bill? The rules can be complicated. Here are 10 things you will want to know.
Your NUA and Required Beginning Date Questions Answered: This Week's Q&A
Thursday, August 10, 2017
This week's Slott Report Mailbag examines NUA and the required beginning date (RBD) for taking an RMD.
What’s Your IRA Worth?
Wednesday, August 09, 2017
Many IRA owners invest in assets other than the usual stocks, bonds, cash, and mutual funds. In fact, the tax code allows for IRAs to invest in just about anything out there except for collectibles, life insurance, and S-corporation stock. But when you invest in those “other assets,” what are they really worth?
5 NUA Facts That May Surprise You
Monday, August 07, 2017
You may have heard of the Net Unrealized Appreciation (NUA) tax break. This is a special rule that allows you to qualify for capital gains treatment on distributions of appreciated employer stock from your employer plan. With the market doing well, now may a be a time when this strategy is more appealing than ever. You may understand the basics of how these rules work but here are five facts about NUA that may surprise you.
Don’t Inherit a Mess When Your Spouse Passes Away: This Week’s Q&A
Thursday, August 03, 2017
This week's Slott Report Mailbag looks into inherited IRAs, spousal rollovers, and 401(k)'s.
Inheriting an Inherited IRA
Wednesday, August 02, 2017
What are the rules when you inherit an inherited IRA? We get this question frequently. Let’s consider what happens when using designated beneficiaries.
The 10% Penalty Exception Quiz
Monday, July 31, 2017
Retirement plans are intended to be used for retirement. However, sometimes life gets in the way and you need to tap those funds early. Generally, when you take a distribution from your retirement plan prior to reaching age 59 1/2, you will be hit a with a 10% early distribution penalty. However, there are some exceptions to the penalty. Determining whether an exception applies can be tricky because some exceptions apply only to IRAs and some apply only to company plans. Other exceptions apply to both. Take our 10% early distribution quiz and see how well you know these complicated rules.
When You Want to Transfer 401(k) Funds from a Former Employer: This Week’s Q&A
Thursday, July 27, 2017
This week's Slott Report Mailbag looks into into IRA contributions and rolling over 401(k) assets from former employers.
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