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.
Maximizing Health Savings: HSA or FSA?
As out-of-pocket health-related expenses rise, finding a tax-preferred funding method has become critical. So, health savings accounts or flexible spending accounts? Or both?
Pros and Cons of the Longevity Annuity Contract
Many clients, and advisors, remain on the fence as to QLACs’ role in clients’ retirement plans.
Final Regs Clear Path to Portability for Smaller Estates
Clients leaving relatively modest estates should pay attention to the recently released IRS final regulations governing the deceased spousal unused exclusion amount.
The Case for Skipping the 401(k)-to-IRA Rollover
There are important scenarios in which an IRA rollover is not the best move when changing employers.
College Savings Demystified: The Devil Is in the Details
College tuition presents one of your clients’ largest pre-retirement expenses, so be prepared for the detailed situations that will round out their individual funding scenarios.
The 401(k) Loan: Friend or Foe for Clients?
Borrowing from a 401(k) plan is often a taboo subject for clients, but there are many scenarios where a client will need to borrow funds.