Three accomplished personal financial planners explain how to enrich clients’ lives in the final years of employment and the first years of retirement and beyond.
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TOPICS
Personal financial planning
Financial planning aspects of 401(k) rollovers
A variety of planning considerations affect the decision whether to leave funds in an old employer retirement plan, roll them to a new employer plan, or roll them to an IRA.
Qualified appraisal required for charitable contributions of cryptoassets
The exchange-reported value of digital assets does not substitute for the qualified appraisal required for a charitable contribution deduction; a reasonable-cause exception will not apply, the IRS Office of Chief Counsel advises.
Longevity annuities: Why clients should consider them
While many clients are reluctant to buy an annuity that won’t start making payments for 15 or 20 years, retirement researchers tout this as an effective strategy to prevent outliving one’s retirement savings.
Medicare’s tricky rules on HSAs after age 65
Individuals working past age 65 who want to continue contributing to a health savings account need to carefully follow Medicare’s enrollment rules to avoid significant penalties.
How the mega-backdoor Roth works
A strategy for effectively super-funding a Roth is available to some individuals who have a 401(k) or 403(b) account through work. This article explains the basics.
Safe-harbor language issued for amending conservation easement deeds
In response to a requirement in the SECURE 2.0 Act of 2022, the IRS issued a notice Monday that allows donors to amend conservation easement deeds to substitute the safe-harbor language for the corresponding language in the original deed.
Of high interest: What rising rates mean for everyone
Higher interest rates affect more than home or vehicle purchases. Learn more about the associated risks of a high-rate environment for practitioners and the clients they advise in this podcast episode with transcript.
Funding health care when retiring before Medicare
Clients who dream of retiring early have various health insurance options for the gap years.
Beneficiary IRAs: A guide to the RMD maze
Advisers can aid inheritors of individual retirement accounts to make optimal choices for their required minimum distributions.
How to reverse course on collecting Social Security
Individuals receiving Social Security retirement benefits who wish they had postponed them for a larger benefit amount later may have certain options.
Saving for college: The new 529-to-Roth IRA transfer rule
A provision in the SECURE 2.0 Act enables greater flexibility in saving for children’s education while also helping 529 plan beneficiaries to get a jump-start on retirement savings.
How to talk about long-term care with clients
Clients may be reluctant to discuss long-term care, but it’s better if they have a plan in place before they’re caught off-guard by a health care crisis.
9 facts about HSAs that might surprise your clients
Understanding health savings accounts’ useful, lesser-known features is key to helping clients make the most of this important retirement planning tool.
Key tax and retirement provisions in the Secure 2.0 Act
The year-end appropriations act included the Secure 2.0 Act, which makes many changes to the retirement plan rules, including expanding automatic enrollment and increasing the starting age for required minimum distributions.
The rise of the cash balance pension plan
Become familiar with this hybrid type of pension plan and its advantages for the right businesses.
The ins and outs of IRA-to-HSA rollovers
Savers often are surprised to learn they can roll funds from an IRA into their HSA. While this lesser-known rollover rule has limitations, it can produce tax savings.
IRS news, Roth conversion considerations, stopping elder financial abuse
Hear about one Inflation Reduction Act concern posed by a leading taxpayer advocate and catch up on recent JofA news and feature articles.
Elder financial abuse: A true cautionary tale
CPAs providing services to elderly individuals play a role in protecting their clients from financial exploitation.
When is a Roth conversion beneficial?
When deciding whether to convert a traditional IRA to a Roth, several factors should be considered, including some that might not be immediately obvious.
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