Disclaiming is a useful tool in some situations, but not an easy cure-all.
Once the IRA owner passes the required beginning date, the planning options for the IRA are limited. Here are four things an older IRA owner can do.
The effect of postponing RMDs and how to eventually start taking money out of your retirement plan.
These are the options available for parents who want to leave an IRA in trust for the benefit of a minor child.
While Congress has made it easier for parents to leave their IRA to a supplemental needs trust for a disabled child, this does not mean it's the best way to provide for such needs.
Natalie Choate shares how new proposed regulations will make leaving benefits to a trust easier.
IRA owners under the age of 59.5 now may be able to withdraw penalty-free money from their accounts.
These new tables come just as America experiences a downtick in life expectancies because of the coronavirus and its reverberations.
Here’s what you need to know if you are a current holder of inherited benefits.
Here's a checklist of potential tax issues and elections.
Take advantage of this loophole before proposed legislation takes it away at the end of the year.
A quick start guide simplifies planning choices for clients’ retirement benefits.
Continuing a look at issues executors face when retirement benefits are payable to the decedent’s estate.
Here's a rundown of an estate's options and obligations related to required minimum distributions.
Changes to the minimum distribution rules get some added wrinkles from the IRS.
Here’s a look at what a trusteed IRA is and why it was a “dream product” until the Secure Act came along.
There is no one best time to take the required minimum distribution.
The answer is yes, but there are caveats.
The surprising fact about direct rollovers and required minimum distributions.
The backdoor Roth contribution is a viable tool for some but not all clients.
An applicable multi-beneficiary trust can solve some--but not all--of the challenges that the new act presents.
It might be for clients seeking to provide a life income to a middle-aged or older individual and a significant charitable gift.
The new law makes it more difficult for parents to set up an estate plan that maximizes the funds available for the care and education of their children.
Contributor Natalie Choate examines how the SECURE Act affects popular strategies for leaving IRAs and retirement plans to a spouse.
Unfortunately, no single solution is simple, cheap, and tax-advantaged, says Natalie Choate.
The generous and liberal interpretation of the act’s provisions provide substantial flexibility and options to retirement-plan owners.
Contributor Natalie Choate tackles three scenarios where a Roth conversion seems to make sense--but may not.
There are plenty of gray areas in the CARES Act's language about CRDs, says contributor Natalie Choate.
The new stimulus plan suspends required minimum distributions for 2020. Contributor Natalie Choate offers advice to early birds who've already taken RMDs for the year.
Contributor Natalie Choate reviews the questions that some fiduciaries face today.
Contributor Natalie Choate with what not to do to 'help' clients.
Planners have their work cut out for them, says contributor Natalie Choate.
The IRS has proposed new actuarial tables for calculating required minimum distributions. Here’s the timeline and the key takeaways.
Contributor Natalie Choate discusses the challenges--and limitations--for heirs when beneficiary designations aren't completed for retirement accounts.
Contributor Natalie Choate navigates through the complexities.
Contributor Natalie Choate reviews the good, the bad, and the ugly when rolling over from a Roth 401(k) to a Roth IRA.
Contributor Natalie Choate explains what to do when a decedent names the wrong (or no) beneficiary on retirement accounts.
Contributor Natalie Choate examines how some self-employed workers can make the most of Roth savings later in life.
Contributor Natalie Choate discusses a little-known--but low-tax--savings strategy.
Natalie Choate shares some of the incorrect statements she's heard from IRA providers and plan administrators.
Contributor Natalie Choate reviews a few ways to get around the once-per-year limit.
And not the good kind, either, says contributor Natalie Choate.
For what year or years do you file IRS Form 5329 if you discovered you've missed a required minimum distribution?
The ability to contribute a restorative payment to an IRA applies only to the compensatory payment for the actual investment loss.
Contributor Natalie Choate reviews some of the inconsistencies in the penalty investors pay if they take distributions from their retirement plans too early.
Rolling your IRA into your 401(k) while still employed may help you temporarily skirt required minimum distributions, but there can be drawbacks.
Natalie Choate simplifies the decision making that come with SOSEPPs.
The rule that you must take the required minimum distribution before doing a “rollover” does not apply to IRA-to-IRA transfers.
Why do back flips to qualify for a life expectancy payout that may soon cease to exist?