RMDs: Recapture My Deductions – A Questionable Strategy
Making deductible retirement plan contributions and “recapture my deductions” beginning when you turn 70-1/2 may not be the best strategy for optimizing after-tax retirement plan distributions.
Category Archives: Roth IRA
Strategic Roth IRA Conversions Still Make Sense
As my clients and those of you who have read my MarketWatch RetireMentors articles and Retirement Visions blog posts know, I’m a huge fan of Roth IRA conversions. One caveat: they must be timely. There are two types of timely Roth IRA conversions: Strategic Market-sensitive Strategic Roth IRA Conversion The goal of a strategic Roth…
Hedge Against Longevity with a Roth IRA Strategy
The title of my most recent MarketWatch RetireMentors article that was published on June 6th is 5 Reasons to Include Sustainable Income in Your Retirement Plan. Reason #1 is hedge against longevity. Although sustainable, or predictable, income from Social Security, pensions, and fixed income annuities provide lifetime income that can build a solid floor for…
Don’t Miss Your Roth IRA Conversion Opportunity
If you have a traditional IRA or a traditional 401(k) plan that can be rolled over into a traditional IRA, you’re sitting on a potential gold mine. You might ask yourself how this is possible given the fact that (a) you generally can’t take withdrawals from a traditional IRA before age 59-1/2 without a 10%…
Escape the Roth 401(k) Trap
I’m a big fan of 401(k) plans that allow Roth contributions, especially for employees who are in low income tax brackets. You can contribute up to $18,000 of after-tax salary in 2016 to a designated Roth account for 401(k) plans that allow such contributions. The limit is increased to $24,000 if you’re 50 and older.…
5 Ways to Reduce Your Tax Liability Using Roth IRA Conversions
One of the most important financial goals for retirees is maximization of after-tax income. A Roth IRA can help minimize income tax liability.
Black Friday – Think Roth IRA Conversion
Significant declines in the stock market create ideal opportunities for Roth IRA conversions.
Retirement Income Visions™ Celebrates 2-Year Anniversary!
Retirement Income Visions™ is celebrating its two-year anniversary and our theme of Innovative Strategies for Creating and Optimizing Retirement Income™.
Roth IRA Conversion Insights – Part 2 of 2
When you do a sizable Roth IRA conversion and income isn’t sheltered by offsetting losses and/or deductions, a sizable income tax liability will arise.
Roth IRA Conversion Insights – Part 1 of 2
There are several insights to be gained from analyzing different scenarios that can be applied to any potential Roth IRA conversion analysis.
Roth IRA Conversions – Don’t Let the Tax Tail Wag the Dog – Part 6 of 6
We compare a scenario with no Roth IRA conversion to one with a Roth IRA conversion to learn which one is projected to result in more investment assets.
Roth IRA Conversions – Don’t Let the Tax Tail Wag the Dog – Part 5 of 6
While reduction in taxation of Social Security benefits won’t occur in every situation, it should be analyzed for most Roth IRA conversions.
Roth IRA Conversions – Don’t Let the Tax Tail Wag the Dog – Part 4 of 6
Elimination of taxation on 100% of the growth of Roth IRA conversion assets is the most important reason in most cases for doing a conversion.
Roth IRA Conversions – Don’t Let the Tax Tail Wag the Dog – Part 3 of 6
There are many situations in life that require a leap of faith to realize the potential benefits that result in implementing a particular course of action.
Roth IRA Conversions – Don’t Let the Tax Tail Wag the Dog – Part 2 of 6
In the case Roth IRA conversions, what are the potential long-term economic benefits? There are three primary benefits to be derived.
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