RMDs From Client IRAs: An Unconventional ESA Funding Tool
IRA required minimum distributions (RMDs) can seem like a burden to some clients by increasing their tax liability. One solution: funneling RMDs into an education savings account.
Maximizing Retirement Benefits of Spousal IRAs for Non-Working Spouses
Retirement income planning for non-working client spouses can be more involved, but done right, a spousal IRA benefits both spouses.
Court Clears Path for Medicaid-Compliant Short-Term Annuities
An appeals court ruling provides some clarity on when short-term annuities can be used for long-term care expenses.
Roth IRA Conversions: Silver Lining to Market Downturns
Paying attention to market swings can allow your clients to take advantage of benefits that, in some cases, can only be produced by careful timing.
Dodging Steep Penalties in Retiree-Only HRA Design
Worried about the Cadillac tax? ACA provisions have limited health reimbursement arrangements, but these vehicles may yet be important for employers.
Avoiding Pre-Retirement Rollover Traps: The Pro Rata Rule
Roth conversions and 401(k)-to-IRA rollovers often do not mix, especially in the same year.
How to Save a Spousal IRA Rollover
A common estate planning error can erase the tax breaks of an IRA inherited from a deceased spouse. But recent IRS rulings suggest an exception.
IUL: A Nontraditional Way to Allocate Retirement Assets
Indexed universal life insurance (IUL) can combine the risk protection elements of bonds with equity market participation and access to tax-free cash later in retirement.
Minimizing Excess Roth IRA Contribution Penalties
Clients have options when they mistakenly contribute to a Roth IRA, but timing matters.
Is the Stand-Alone HRA Making a Comeback?
Stand-alone health reimbursement arrangements have been a casualty of the Affordable Care Act, but proposed legislation could allow some small businesses to keep using them.