Sunday February 9, 2014

Top 10 IRA Mistakes For Baby Boomers

IRA Retirement Goals

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Many of us have been contributing to ourAi?? IRAs since the 1980ai??i??s, or maybe is only 1 or 2 decades. One of our fundamental purposes for doing this is to take full advantage of their tax-deferred status and we believe we are well on our way to long, comfortable retirements. Or are we?

The Top 3 Myths associated with IRAai??i??s

As an advisor, you want to help your clients prepare cialis v viagra review for their golden years in the best way possible. With that in mind, here are 10 IRA planning mistakes that many investors make.

But before we get into the Top TEN, lets examine what I like to call the Top 3 Myths associated with IRAai??i??s 1. Tax – Deferred lets change that to Tax – Postponed! 2. Not only does an IRA Postpone the Tax – Deferral period it also postpones the Tax Calculation? 3. If it postpones the tax and the tax calculation any idea what tax bracket you will be in when you decide to retire?

One of the American Dreams is a happy healthy retirement, with this dream comes this thought of I will be in a lower tax bracket when I retire? Donai??i??t get me wrong here but do you really want to be in the lowest tax bracket? I know double edged sword, true! yes we want to take our money out in the lowest marginal tax rates but we donai??i??t want to be in the lowest tax bracket that would give new meaning to rice and beans. Lets move on to the TOP TEN IRA Mistakes…

10. Making inappropriate spousal rollovers

Oftentimes, spousal beneficiaries will roll an IRA into their own IRA. Many families will benefit from a more tax efficient option. Leave it in the original ownerai??i??s name. For instance, if the spouse beneficiary is under 59-and-a-half, he may want to leave the assets in a ai???Beneficiary IRAai??? to allow him to take distributions free of the 10 percent premature-distribution penalty that would apply if he took distributions after the account was rolled over into the survivorai??i??s name.

9. Assuming a nonworking spouse cannot contribute to an IRA http://osfatundent.com/2018/02/01/order-voveran-diclofenac/

Be sure to understand that separate IRAs may be established for spouses with little or no income and those additional retirement savings can add up over time. Even if the working spouse is covered under a retirement plan at work, the contribution on behalf of the non-working spouse may be fully deductible as long as the coupleai??i??s adjusted gross income is below $150,000 for the year.

8. Skipping additional ai???catch-upai??? contributions

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If you are over 50Ai?? donai??i??t not forget IRA ai???catch-upai??? contributions, currently set at a maximum of $1,000 in 2013. Also keep in mind that most plans allow for contributions for IRAai??i??s up to $6,500 each year, for now.

primatene mist mexico 7. Beneficiaries not taking advantage of IRD

IRAs are considered ai???Income with Respect to a Decedentai??? (IRD) and your clients should be advised that beneficiaries can take an income-tax deduction for any estate taxes they paid on the IRA. Tax code 691(c) provides relief from double taxation for recipients of IRD in the form of an income-tax deduction equal to the estate taxes paid on the IRD.

 

6. Placing the title of the IRA into a trust online

Changing the actual ownership of the IRA to a trust causes immediate taxation. Tell your clients to simply name the trust as the IRA beneficiary. Also, confirm that using the trust as the beneficiary is really necessary. Individuals have been known to name trusts as their beneficiary even when leaving assets outright to a beneficiary may have provided a better outcome over the long term.

5. Taking the wrong RMD

Analyze the new rules regarding required minimum distributions (RMDs) and avoid taking out too much or too littleai??i??and getting taxed. A 50 percent penalty applies to any RMD not taken in a timely fashion. A larger penalty like this is an excellent reason to get your clients to consolidate all their retirement accounts and ensure that no distributions are missed.

4. Missing important dates

Do you know why December 31 or September 30 of the year following the year of an IRA ownerai??i??s death is important? Cash-out and distribution rules are vital to remember. As mentioned earlier, a stiff 50 percent penalty applies to distributions not taken in a timely fashion. Remind beneficiaries that any RMD due to the deceased in the year of death must be taken by December 31 of that year.

Order 3. Not taking advantage of increased contribution limits

In 2013, contribution limits for IRAs increased to $6,500 with the $1,000 catch up for those 50 and older. Other wise the contribution amount is $5,500 as a standard limit.

2. Not listing beneficiaries or not updating IRA beneficiaries

Avoid distribution of the IRA assets to the ownersai??i?? estate by listing beneficiaries, updating designations and coordinating them with estate planning documents. Having distributions made to an estate could forfeit dozens of years of potential tax deferral for beneficiaries. Stat: 80% of all american retirement account beneficiaries are improperly set up Investor News Weekly.

cheap isoniazid 300mg Purchase celadrin costochondritis 1. Not taking advantage of the stretch distribution option or not establishing it properly online Pills

The ai???Stretch IRAai??? allows non spouse beneficiaries to maximize payouts over their life expectancyai??i??if they know how it works. This plan can also allow non spouse beneficiaries to extend distributions from the account over their own lifetimes, after the ownerai??i??s death.

In the end we all have a few things in common associated with our IRA’s and our retirement. We all want our accounts to get bigger , we all want to have enough income to last as long as we do and we want to make this happen while taking on as little risk as possible. Comment below or contact me at 1-800-694-3175 Ai??or email me at skitchen@eminencefinancial.com

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