IRAs

How advisers can prepare for renewed interest in alternatives.

The early decision stops advisers from earning commissions on products that will also generate fees through the firm's Investment Advisory Program.

Those with the option of taking loans from their plans should consider tax implications and the possibility of missing out on the growth of the money that was borrowed.

Clients who borrow from their company retirement plans can often get a good rate with no hassle. But if they miss payments, they might face nasty tax charges.

Retirement investors should ensure they follow the rules so their heirs can fully gain from the account's tax advantages.

Commodities aren't a good inflation hedge, according to one expert. Instead, talk to clients about TIPS or even some securities.

A bond subsector worth looking at. Plus, help clients keep what they owe the government to a minimum with a roadmap for drawing down assets.

IRAs are not subject to as many rules, allowing investors to make withdrawals that conform to their portfolio strategy.

Understanding pro-rata rules can ensure that a client only pays their fair share to the government. Plus, these retirement preparations can boost returns and a look at when spending means better planning.

Open enrollment offers seniors the opportunity to change their plans and save hundreds of dollars.