retirement

Target Date Funds – A Good Retirement Strategy For Those With Limited Time and Investment Expertise

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Target date funds are mutual funds that are professionally managed with asset allocations and risk profiles set to change along a glide path reflecting your target retirement date. For example you would be buy a 2040 target date fund if you expect to retire around the year 2040. Or put another way, Bill who is [...]

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Roth IRA Early Withdrawal Rules For After Tax Contributions, Traditional IRA Conversions and Investment Earnings

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A Roth IRA can provide a great way to build up savings for retirement. These accounts allow funds to grow on a tax-free basis. And, provided that the account owner meets just a few requirements, all the money contributed and earned in a Roth IRA account may also be withdrawn without taxation at retirement. Oftentimes, however, [...]

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A $2000 Savers Tax Credit in 2012 and 2013 to Help Workers Save for Retirement

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A lot of people don’t know about or take advantage of a little known credit called the savers credit, officially referred to as the retirement savings contributions credit. The IRS has released 2013 details on the qualifying maximum income levels to claim the credit, which reflect a modest increase over 2012 levels meaning more people may [...]

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2013 Roth IRA Contribution Limits Based on Filing Status and Income

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After several years the IRS has raised Roth IRA contribution levels, along with the annually indexed income qualification levels that allow eligible contributions. This is good news for those looking for tax effective ways to manage their retirement savings. Unlike 401(k) and Traditional IRA plans, you cannot deduct contributions to a Roth IRA from your taxable income. But [...]

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Tax Planning for 2013 – Dealing with The Uncertainty and Making Smart Money Moves

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Being the finance wonk that I am, I rather enjoy reading some of the tax advice that the big accounting firms put out for their clients. While their target audience (based on their $250 to $500 hourly fee) is clearly higher net worth individuals, you can glean some pretty useful advice from their reports. Take [...]

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How Financial Planners Charge And Understanding Their Fee Structure

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A few weeks ago I began my search for a financial planner (or financial advisor as some prefer) to review my monetary situation and see if I am on the right track for a sound retirement.  I consider myself pretty savvy when it comes to personal finance, but I think it is always good to meet with an expert for a [...]

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Protect Your Retirement Savings Through These 4 Diversification Strategies

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With ongoing volatility across global markets and an uncertain future in terms of taxes, regulations and government safety nets such as social security; diversification is key in managing the risk associated with your retirement savings. That’s why these four risk diversification strategies across products and services make a lot of sense for the changing world [...]

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Carnival of Retirement – Tips and Topics For Your Golden Years

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Welcome to the latest edition of the Carnival of Retirement (33rd edition) where you’ll see the latest and greatest articles on retirement and related personal finance topics. Whether you are just planning, in or worried about being able to retire, you’ll find some useful perspectives and advice here. Shilpan @ Street Smart Finance writes Keeping [...]

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Can I Make 401K or IRA to Roth IRA Conversions in 2012 and 2013? What Are The New Rules and Income Limits

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[2013 Update] With a deal to avert the fiscal cliff reached and legislated under the American Taxpayer Relief Act (ATRA) of 2012, a couple of significant employer sponsored retirement plan features have reappeared with some modifications. This includes the Roth 401(k) conversion and Charitable IRA contributions. You can read more about these updated provisions in this [...]

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2012 Simple IRA and SEP IRA Contribution Limits – Small Business Retirement Plans

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The IRS has released 2012 contribution limits and updated eligibility rules for two of the most popular small business retirement plans : the SEP IRA and Simple IRA. SEP IRA. A SEP is a popular and widely used retirement plan management approach because it provides self employed owners or small business owners with a few staff [...]

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