Roth IRAs

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.

Clients who want to reduce their expenses during retirement may want to move to a state that doesn’t tax these government benefits.

The proceeds can be used to pay the tax bill from converting a 401(k) and traditional IRA into a Roth account.

Changing a Medigap plan during open enrollment could be costly, especially when the switch happens after the initial six-month window.

Because federal rules now require parents to plan earlier for funding education, advisers can offer substantial value to clients through their financial aid expertise.

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.

Using these all-in-the-family approaches may be a planner's best way to serve clients and stand out, even against robo competitors.

While the fiduciary rule was cited as a positive, problems mentioned by Bogle included the incentive for companies to be “very stingy” with pension contributions since they come out of earnings.

A line-by-line review of this form can spark a broader financial review that benefits clients. Plus, turn medical expenses into deductions for the elderly.

These strategies show how the IRS may be able to take the bite out of student loans. Plus, Roth IRA losses and the benefits of owning company stock.

Now harsh penalties and taxes on late 60-day rollovers from company plans and IRAs can be avoided, but beware: There are some rollover mistakes that still cannot be fixed.

Clients can beat a costly pitfall that comes after missing a 60-day window on IRA rollovers by giving the agency their side of the story under a newly relaxed rule. Plus, ways to save when clients are too old for traditional IRAs.

For one strategy, clients should create income streams that have built-in protection, such as Social Security and long-term insurance.

Advisers should be prepared to discuss both the benefits and drawbacks with clients.

A proposed 22.3% increase in Medicare Part B premiums, if approved, will automatically be deducted from retirees' monthly checks.