Roth IRAs

More people are planning to wait to file for benefits, but just 25% are even aware of their full retirement age.

The accounting method can deliver attractive savings, along with protecting nature or farmland.

A couple who expects to earn a bigger income in the future is advised to convert part of their IRA into a Roth now while they are in a lower tax bracket.

Dependent care flex spending accounts can help clients mitigate child care costs, but also reduce tax credits otherwise available.

There are risks to this approach, however.

Here’s how to decide whether your client should select the traditional or Roth IRA to put away for retirement and boost their savings.

Each plan has pros and cons: Clients who own a Roth IRA for at least 5 years are entitled to penalty-free withdrawals for education expenses, but they'll owe income taxes on those earnings.

Education around these rules can prevent an increase in their tax bills.

These products are meant for short- and intermediate-term investing and should carry enough risk to grow and meet the goals over time.

One important somber step for 40-something clients is to consider what happens to their assets when they die.

How IRA conversions can come at a steep price for clients. Plus, ways to dodge a surprise bill from the IRS.

A reverse rollover from IRAs to other retirement plans is an option that enables investors to improve their tax efficiency.

Everyone knows the mantra buy low, sell high, but they do the exact opposite because they don’t know their own risk tolerance.

Many workers think hey are not allowed to contribute to a 401(k), a traditional IRA and a Roth IRA in the same year, which is untrue.

Clients who make these prohibited transactions can face devastating penalties.

There are ways around having to pay as much as a 50% penalty. Plus, inheriting Roth IRAs and designing more efficient retirement portfolios.

Moving investments into these accounts may optimize returns and boost savings. Plus, know your IRAs and the impact of Trump's proposals on income brackets.

IRA investors who turn 70 before June 30 have a little more than a year to make their first withdrawal.

Why it's a good time to invest even small amounts into 401(k) and Roth IRA accounts. Plus, avoiding the capital gains hit.

Here's how clients can get around income limits and continue making contributions. Plus, tips for updating a client's financial plan now and dramatically increasing wealth after the IRS gets paid.