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The Slott Report
The Slott Report
You Missed a RMD! Now What? This weeks Q&A
Thursday, February 09, 2017
This week's Slott Report Mailbag looks into missed RMDs, IRA transfers, and Testamentary Trusts.
Sometimes the Score at Halftime DOES Matter
Wednesday, February 08, 2017
On Sunday night we were treated to the first ever overtime in Superbowl history. It was a great game (with a lousy outcome – sorry, not a Pats fan). Of course, what most people will remember is that the Patriots finished off what may be the greatest comeback in sports history (that hurts to say), and that it was only the score at the end of the game that mattered. That may be true for the Superbowl, but it’s not always the case. As it turns out, sometimes the score at halftime does matter.
5 Things Every Roth IRA Owner Should Know Before Taking a Distribution
Monday, February 06, 2017
Are you one of the growing number of savers who has a Roth IRA? If so, there will come a time when you will want to take funds from your account. Here are 5 things that every Roth IRA owner should know before taking a distribution.
Did you Inherit an IRA? Don't Inherit a Mess. This weeks Q&A Mailbag.
Thursday, February 02, 2017
This week's Slott Report Mailbag looks into inherited IRAs, beneficiaries, and backdoor Roth IRA strategies.
What Happens When Beneficiaries do Not Split the Inherited IRA?
Wednesday, February 01, 2017
Generally, the goal when naming IRA beneficiaries is that they will stretch out their distributions on the inherited IRA for as long as possible. The tax code and regulations currently support this goal by stating that the stretch option is the default option. But, of course, there are certain rules that must be followed. The IRA agreement must allow for a stretch option. As unbelievable as it may seem, there are still IRA custodians that do not offer a stretch option to beneficiaries.
Why You May Reconsider Naming Your Trust as Your IRA Beneficiary
Monday, January 30, 2017
IRAs have been around for decades. You may have had your IRA for years. Maybe many years ago, when you established your IRA, you named a trust as the beneficiary and haven’t thought a lot about it since. You likely spent both time and money drafting the trust and were careful to name the trust on your IRA beneficiary form. Here are some reasons why it might be worth it to reconsider that decision.
Imperative Q&A's involving Transfers, Rollovers, and Beneficiaries
Thursday, January 26, 2017
This week's Slott Report Mailbag looks into indirect and direct transfers, 60-day rollovers, trusts as a beneficiary, and 403(b)'s.
Yes, You Actually CAN Do That
Wednesday, January 25, 2017
Last week my Slott Report article created something of a firestorm in my email inbox. Shortly after it was posted I began to receive a litany of emails, all written very respectfully, but all of which said my post was incorrect and that revisions were necessary in order to avoid Slott Report readers from making errors with respect to their planning. To recap the article and the point of contention in a nutshell; I gave the hypothetical of a married couple, of which one spouse was about to pass and owned stock in his name only at a loss. I then suggested that a sly strategy would be to gift that stock to the other spouse prior to the owner-spouse’s death so as to preserve the potential loss.
HSAs Are NOT the Answer to America’s Health Insurance Problems
Monday, January 23, 2017
In my opinion, expanding the availability of HSAs to more Americans is not going to solve the problem of providing health insurance to all Americans. Here is why I believe that statement.
Over 59 1/2? You Must Know these Roth IRA and 401K Answers
Thursday, January 19, 2017
This week's Slott Report Mailbag looks into Roth IRAs, 401Ks, contributions, tax-free options, and more.
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