IRA RMD Illustration REPORT. Prepared for: William Public 4/29/2013. Prepared by: John Q. Advisor Test Advisor
|
|
- Cynthia Stokes
- 8 years ago
- Views:
Transcription
1 IRA RMD Illustration REPORT Prepared for: William Public 4/29/2013 Prepared by: John Q. Advisor Test Advisor
2 CONTENTS Overview...3 Personal Data Assumptions...4 Results...5 Important Disclosure Information....6 IRA RMD ILLUSTRATION 2
3 OVERVIEW IRA owners are eventually required to begin taking distributions from their taxdeferred IRA accounts. This IRA RMD report is provided to help you calculate your required distribution amount from your IRA. Review this report and the rules of required minimum distributions with your legal/tax advisor. Required Minimum Distributions (RMDs) Upon reaching age 70 ½, the IRS requires IRA owners to begin withdrawing a certain amount from their IRA accounts each year. These mandatory withdrawals are called required minimum distributions (RMDs). Required Beginning Date (RBD) An IRA owner must begin taking RMDs from an IRA account in the year in which he/she turns age 70 ½. The first year s required distribution can be delayed until April 1 of the year following the year the IRA owner attains age 70 ½. This April 1 date is termed the Required Beginning Date (RBD). Every subsequent year RMD is to be distributed by December 31 of that year. When RMDs are withdrawn, the taxable amount of the RMD is added to the IRA owner s ordinary income and taxed accordingly. The IRA owner has the responsibility to withdrawal the proper amount of the required minimum distribution by the applicable deadline to avoid the IRS 50% penalty tax. Review this report and the rules and regulations pertaining to Required Minimum Distributions (RMDs) with your legal/tax advisor before authorizing distributions on your IRA account. How are RMDs calculated? Generally, RMDs are calculated for each IRA account by dividing the prior yearend December 31 balance by a life expectancy factor from IRS Tables found in Publication 590. Most will use the Uniform Lifetime Table to determine life expectancy. One exception is for IRA owners that have named their spouse as sole beneficiary on the IRA. If the spouse is more than ten years younger than the IRA owner, a joint life expectancy figure can be used. Key Rules and Considerations: RMD requirements apply to all IRAs, Traditional IRA, Rollover IRA, SEP IRA, SIMPLE-IRA, except Roth IRAs. Roth IRA owners are not subject to the RMD requirements throughout their lifetime. IRA owners with multiple IRA accounts must calculate the RMD separately for each IRA, but can distribute the total amount from any one or more of the IRAs. RMDs are not eligible for rollover, they must be withdrawn. IRA RMD ILLUSTRATION 3
4 PERSONAL DATA ASSUMPTIONS The following information has been used to prepare your IRA RMD illustration: IRA Information IRA account number Your date of birth Account balance as of 12/31 of preceding year Beneficiary Information Your beneficiary named on the IRA(s) Your beneficiary s date of birth This beneficiary is your spouse and sole beneficiary ABC /10/ ,000 Jane Public 10/15/1941 IRA RMD ILLUSTRATION 4
5 RESULTS The life expectancy factor for this year s distribution using the Uniform Lifetime Table is 23.8 Your IRA RMD for this year is $5,252 This RMD must be withdrawn from your IRA by December 31, 2013 Contact your Financial Advisor for the appropriate forms to request this distribution. This amount will not be automatically distributed to you. You can enroll in our automated RMD service to automatically receive a distribution of your RMD each year. IRA RMD ILLUSTRATION 5
6 IMPORTANT DISCLOSURE INFORMATION Wealth Management Systems, Inc. is the sole copyright owner of the software, including the accompanying materials and all documents generated by the Software. You may copy the documents generated by the Software and share such documents with your clients, provided that each copy includes the copyright, trademark or service mark notices or attributions as they appear on the pages copied. Except as stated above, reproduction or duplication by any means of the Software or any accompanying materials or the documents, without the written permission of Wealth Management Systems Inc., is strictly prohibited and in violation of federal copyright laws. IRA RMD ILLUSTRATION 6
A guide for managing your IRA inheritance. Maximize your inherited IRA and enhance your financial security.
A guide for managing your IRA inheritance Maximize your inherited IRA and enhance your financial security. Make the most of your inheritance by taking advantage of continued tax-deferred growth potential.
More informationComparison of IRA Limits
Comparison of IRA Limits REPORT Prepared for: Sam Sample 3/29/2011 Prepared by: Benjamin Edwards Financial Consultant CONTENTS Overview...3 Quick Comparison of Traditional. and Roth IRAs...5 Personal.
More informationTaking Your Required Minimum Distributions
RETIREMENT Taking Your Required Minimum Distributions A Guide for Retirement Account Owners and Beneficiaries Taking Distributions During Your Lifetime Most people are required to start withdrawing from
More informationDistribution Options for IRA Beneficiaries. Choose the option that s best for you
Distribution Options for IRA Beneficiaries Choose the option that s best for you Let Us Help You Make An Informed Decision Before you begin It s important to understand your choices and the best options
More informationFacts to Know When You Inherit a Non-Spousal IRA
Facts to Know When You Inherit a Non-Spousal IRA There are many planning and distribution considerations for individuals inheriting a non-spouse s IRA (Traditional, Roth, SEP or SIMPLE). It is imperative
More informationRequired Minimum Distributions: What Every Advisor Needs to Know FOR FINANCIAL PROFESSIONAL USE ONLY / NOT FOR PUBLIC VIEWING OR DISTRIBUTION.
Required Minimum Distributions: What Every Advisor Needs to Know 1 Required Minimum Distributions Upon reaching age 70½, clients must begin taking annual distributions from their IRA in accordance with
More informationTraditional IRAs. Understanding Required Distributions at 70 1 / 2. Questions & Answers
Traditional IRAs Understanding Required Distributions at 70 1 / 2 Questions & Answers Why are there federal tax rules mandating required minimum distributions from a traditional IRA? The primary purpose
More informationOriginally Published: June 2012 Updated: August 2015!!
Updated: August 2015 This educational publication is designed to provide a background for understanding the use of Individual Retirement Accounts (IRAs). It is not a substitute for professional tax advice.
More informationDistributions and Rollovers from
Page 1 of 6 Frequently Asked Questions about Distributions and Rollovers from Retirement Accounts Choosing what to do with your retirement savings is an important decision. Tax implications are just one
More informationFrequently asked questions
Page 1 of 6 Frequently asked questions Distributions and rollovers from retirement accounts Choosing what to do with your retirement savings is an important decision. Tax implications are just one of several
More informationComparison of IRA vs. Roth IRA For: Charles and Amanda Fuller
Comparison of IRA vs. Roth IRA For: Charles and Amanda Fuller Presented By: [Licensed user's name appears here] Comparison of IRA vs. Roth IRA Table of Contents IRA vs. Roth IRA Page 1 An Individual Retirement
More informationRoth IRA Conversion Analysis Report
Roth IRA Conversion Analysis Report for Joseph Sample Prepared by Lewis Chamberalin AIF Next Level Investment Management 1005 Redbud Drive Redding, CA 96001 530.243.9888 lewis@nextlevelinvestor.net February
More informationSACRAMENTO METROPOLITAN FIRE DISTRICT GOVERNMENTAL 457 DEFERRED COMPENSATION PLAN
SACRAMENTO METROPOLITAN FIRE DISTRICT GOVERNMENTAL 457 DEFERRED COMPENSATION PLAN DEEMED IRA ACCOUNTS DISCLOSURE STATEMENT This Disclosure Statement summarizes the provisions relating to the deemed IRA
More informationKnow The Rules and. Avoid Costly Mistakes!
Know The Rules and Avoid Costly Mistakes! Securities and Advisory Services offered through The Strategic Financial Alliance, Inc. ( SFA) Member FINRA, SIPC. Mark Keen is a Registered Principal and investment
More informationStretch IRA. What is a stretch IRA? Why stretch?
Stretch IRA Stretch IRA strategies are a popular approach to transferring wealth. Investors are using stretch IRAs to extend their required minimum distributions (RMDs) over an increased period of time,
More informationHow much can I deduct if I am an active participant in a qualified plan?... 2
Table of Contents What is an Individual Retirement Account (IRA)?...................................... 1 Who may establish a Traditional IRA?............................................... 1 How much
More informationInheriting retirement assets as a nonspouse beneficiary
Inheriting retirement assets as a nonspouse beneficiary When you inherit IRAs or other retirement plan assets, you will have many planning and distribution considerations. Some of your decisions will be
More informationchart retirement plans 8 Retirement plans available to self-employed individuals include:
retirement plans Contributing to retirement plans can provide you with financial security as well as reducing and/or deferring your taxes. However, there are complex rules that govern the type of plans
More informationIRAs & Roth IRAs. Beneficiary or Inherited IRAs. Questions & Answers
IRAs & Roth IRAs Beneficiary or Inherited IRAs Questions & Answers Purpose The purpose of this brochure is to provide a person who is a beneficiary of a traditional IRA (including SEPs and SIMPLEs) or
More informationBeneficiary Payment Options for Traditional IRAs (Death Before Required Beginning Date)
Beneficiary Payment Options Beneficiary Payment Options for Traditional IRAs (Death Before Required Beginning Date) Frequently Asked Questions Payment Options Payment Flexibility Withholding Elections
More informationRetirement Plan Distributions
Retirement Plan Distributions What Every Participant Should Know IRS Employee Plans 2 Employee Plans Landing Page 3 Employee Plans Newsletters Distribution Topics 2015 IRA one-rollover rule Pre and post-tax
More informationWealth Strategies. www.rfawealth.com. The Importance of Age-Based Tax Planning. www.rfawealth.com. Age Based Tax Planning WEALTH STRATEGIES Page 1
www.rfawealth.com Wealth Strategies The Importance of Age-Based Tax Planning Part 9 of 12 Age Based Tax Planning WEALTH STRATEGIES Page 1 In today s world, more and more of the responsibilities of preparing
More informationIRAs & Roth IRAs. IRA-to-IRA Rollovers & Transfers. Questions & Answers
IRAs & Roth IRAs IRA-to-IRA Rollovers & Transfers Questions & Answers Purpose: The intent of this brochure is to provide an overview of rollovers, transfers, and conversions between traditional IRAs and
More informationYou ve just inherited a retirement account. Now what?
You ve just inherited a retirement account. Now what? A step-by-step decision guide for retirement account beneficiaries. You ll need to make a decision about your inheritance. We ll help you make it with
More informationthe t. rowe price Guide for IRA and 403(b) Account Beneficiaries
the t. rowe price Guide for IRA and 403(b) Account Beneficiaries who should use this guide T. Rowe Price retirement specialists have designed this guide for: 1 : Individuals who are beneficiaries of the
More informationRequired Minimum Distributions from IRAs - Frequently Asked Questions
Required Minimum Distributions from IRAs - Frequently Asked Questions A White Paper by Manning & Napier www.manning-napier.com Unless otherwise noted, all figures are based in USD. 1 Introduction Many
More informationWhat you need to know about an Inherited IRA
What you need to know about an Understanding your choices and taking action. In this guide: Understand the basics Review your choices Take action Understand the Basics When the owner of an Individual
More informationUpdated Custodial Agreement and Disclosure Statement for UBS IRAs
Updated Custodial Agreement and Disclosure Statement for UBS IRAs We have updated the custodial agreement and disclosure statement for UBS Individual Retirement Accounts (IRAs). The changes made to these
More informationIRAs & Roth IRAs. IRA-to-IRA Rollovers & Transfers
IRAs & Roth IRAs IRA-to-IRA Rollovers & Transfers In 2015 Questions & Answers Purpose: The intent of this brochure is to provide an overview of rollovers, transfers, and conversions between traditional
More informationNo bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency
Understanding iras A Summary of Individual Retirement Accounts No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 1/15 23038-15A Contents
More informationThe IRA Rollover. Making Sense Out of Your Retirement Plan Distribution
The IRA Rollover Making Sense Out of Your Retirement Plan Distribution Expecting a Distribution? You have been a participant in your employer s retirement plan for a number of years, and you have earned
More informationLeaving your employer? Options for your retirement plan
Leaving your employer? Options for your retirement plan Contents Evaluating your options 1 The benefits of tax-deferred investing 4 Flexibility offered by an IRA rollover 6 How to get started 9 Evaluating
More informationAdvanced IRAs Strategies:
Advanced IRAs Strategies: Five Ways to Take Income from an IRA NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE Copyright 2012 by Lord, Abbett & Co. LLC. All rights reserved. Lord Abbett mutual fund shares
More informationIRAs & Roth IRAs. A Surviving Spouse s Options with Respect to Their Spouse s IRA(s) Questions & Answers
IRAs & Roth IRAs A Surviving Spouse s Options with Respect to Their Spouse s IRA(s) Questions & Answers Purpose Your deceased spouse designated you as his or her traditional IRA and/or Roth IRA beneficiary.
More informationBMO Funds State Street Bank and Trust Company Universal Individual Retirement Account Disclosure Statement. Part One: Description of Traditional IRAs
BMO Funds State Street Bank and Trust Company Universal Individual Retirement Account Disclosure Statement Part One: Description of Traditional IRAs Part One of the Disclosure Statement describes the rules
More informationRetirement Plan Distributions Choices & Opportunities
Retirement Plan Distributions Choices & Opportunities Leaving Your Job: Things to Think About» What you want to do next Work full time? Part time? Retire? How much will your lifestyle cost?» Continuing
More information5 Reasons to Choose a Payroll Roth IRA
5 Reasons to Choose a Payroll Roth IRA Date Presented by: AC: 21395-0514-7233 ICMA-RC does not provide specific tax advice. This presentation is the property of ICMA-RC and may not reproduced or redistributed
More informationIRAs and Required Minimum Distributions Traps for the Unwary
IRAs and Required Minimum Distributions Traps for the Unwary 19 th Annual Maine Tax Forum November 5, 2015 Richard A. Carriuolo, J.D., CFP Vice President & Director of Wealth Management Services R.M. Davis,
More informationNew Alternatives Fund, Inc. INDIVIDUAL RETIREMENT ACCOUNT (IRA) TRADITIONAL IRA SEP IRA ROTH IRA
New Alternatives Fund, Inc. INDIVIDUAL RETIREMENT ACCOUNT (IRA) TRADITIONAL IRA SEP IRA ROTH IRA TABLE OF CONTENTS COMBINED DISCLOSURE STATEMENT 3 TRADITIONAL INDIVIDUAL RETIREMENT ACCOUNT DISCLOSURE 4
More informationHow to Avoid the Top Ten IRA Rollover Errors
IRA Rollover How to Avoid the Top Ten IRA Rollover Errors To err is human, but when it comes to your money, little mistakes can cost a lot. That s especially true with Individual Retirement Accounts (IRAs).
More informationIRAs Traditional Individual Retirement Accounts. 2014 and 2015. Questions & Answers
IRAs Traditional Individual Retirement Accounts 2014 and 2015 Questions & Answers What is the purpose of this brochure? It summarizes the primary laws governing traditional IRAs for 2014 and 2015. What
More informationIRAs Traditional Individual Retirement Accounts. 2013 and 2014. Questions & Answers
IRAs Traditional Individual Retirement Accounts 2013 and 2014 Questions & Answers What is the purpose of this brochure? It summarizes the primary laws governing traditional IRAs for 2013 and 2014. What
More informationImportant Information For Participants Age 70 ½ or Older
Important Information For Participants Age 70 ½ or Older The Worker, Retiree, and Employer Recovery Act (the Act ) signed in 2008, temporarily suspends required minimum distributions (RMD) for tax year
More informationTHIRD AVENUE FUNDS INDIVIDUAL RETIREMENT ACCOUNT (IRA) TRADITIONAL IRA SEP IRA ROTH IRA
THIRD AVENUE FUNDS INDIVIDUAL RETIREMENT ACCOUNT (IRA) TRADITIONAL IRA SEP IRA ROTH IRA TABLE OF CONTENTS COMBINED DISCLOSURE STATEMENT 3 TRADITIONAL INDIVIDUAL RETIREMENT ACCOUNT DISCLOSURE 4 ROTH INDIVIDUAL
More informationIRA opportunities at UBS
IRA opportunities at UBS IRAs are highly popular and effective retirement savings vehicles that give your investment earnings the benefit of tax-favored treatment and provide an ideal supplement to employer-sponsored
More informationThis article focuses on rollovers by a
Rollovers From Retirement Plans and IRAs By Marcia Chadwick Holt This article focuses on rollovers by a surviving spouse and by a nonspouse to retirement plans and individual retirement accounts (IRAs).
More informationHow To Get A Death Benefit From The Tax Deferred Annuity Program
TDA DIRECT ROLLOVER APPLICATION FOR LUMP-SUM TDA DEATH BENEFIT TO AN INHERITED IRA (FOR NON-SPOUSE BENEFICIARIES ONLY) INSTRUCTIONS PLEASE READ CAREFULLY This application may be filed ONLY by an individual
More informationBENEFICIARY PAYMENT OPTIONS
BENEFICIARY PAYMENT OPTIONS FOR ROTH IRAS TABLE OF CONTENTS INTRODUCTION................... Page 2 QUESTIONS AND ANSWERS........ Page 3 PAYMENT OPTIONS............... Page 6 Lump Sum........................
More information72(t) Distributions A Guide to Taking 72(t) Distributions From Your IRA
72(t) Distributions A Guide to Taking 72(t) Distributions From Your IRA Millions of Americans have found Individual Retirement Accounts ( IRAs ) to be an attractive, tax-favored means of saving for retirement.
More informationValued Client Owner Age: 65 State of Issue: Connecticut
Fixed Annuity Prepared For: Valued Client Owner Age: 65 State of Issue: Connecticut Prepared On: March 31, 2014 Prepared By: Valued Client Firm Name: Input Summary: Premium: $100,000 Withdrawal Charge
More informationRetirement Plan Contribution Limits and Withdrawal Requirements
Manning & Napier Advisors, LLC Retirement Plan Contribution Limits and Withdrawal Requirements April 2011 Approved CAG-CM PUB030-R (10/11) Introduction The following report provides general information
More informationNo Video or Audio Recording is permitted without prior written consent from Collin W. Fritz & Associates, Ltd.
Copyright 2014 Collin W. Fritz & Associates, Ltd. The Pension Specialists All rights reserved. No part of this presentation may be reproduced in any form and by any means without prior written permission
More informationTax-Free Income for You and Your Heirs: What You Need to Know About Roth Conversions Right Now. Bryan M. Totri, CFP
Tax-Free Income for You and Your Heirs: What You Need to Know About Roth Conversions Right Now Bryan M. Totri, CFP 1 Saving for Retirement: Tax-deferred vs. Tax-free Traditional IRA Tax-deferred retirement
More informationCoverdell Education Savings Account
Coverdell Education Savings Account Invest for a Child s Education with Lord Abbett lord abbet t retirement services The Rising Costs of Education As the cost of education continues to skyrocket each year,
More informationImportant Tax Information About Your TSP Withdrawal and Required Minimum Distributions
Important Tax Information About Your TSP Withdrawal and Required Minimum Distributions The Thrift Savings Plan (TSP) is required by law to provide you with this notice. However, because the tax rules covered
More informationMFS Retirement Strategies Stretch IRA and distribution options READY, SET, RETIRE. Taking income distributions during retirement
MFS Retirement Strategies Stretch IRA and distribution options READY, SET, RETIRE Taking income distributions during retirement ASSESS YOUR NEEDS INCOME WHEN YOU NEED IT Choosing the right income distribution
More information2008-2012 $5,000 2013-2015 $5,500 Future years Increased by cost-of-living adjustments (in $500 increments)
Part One of the Disclosure Statement describes the rules applicable to Traditional IRAs. IRAs described in these pages are called Traditional IRAs to distinguish them from the Roth IRAs, which are described
More informationRetirement. A Guide to Roth IRAs
Retirement A Guide to Roth IRAs A Roth IRA is an individual retirement account named for the late Senate Finance Committee Chairman, William Roth, Jr. who championed the creation of this new type of IRA.
More informationRoth IRAs and Conversions
Roth IRAs and Conversions When the law that created Roth IRAs was originally enacted there were two eligibility limits placed on them. The first affected an individual s ability to contribute to the Roth-
More informationDavid W. Donahue ʜDavid W. Donahue, Jr., CFA
David W. Donahue ʜDavid W. Donahue, Jr., CFA Much is being heard these days about the stretch IRA strategy. This idea is being suggested as the answer to the IRA and estate concerns of many investors.
More informationira individual retirement accounts Traditional IRA
ira individual retirement accounts Traditional IRA Grow dollars for tomorrow, save on taxes today. A traditional IRA may provide you significant immediate tax savings, and due to the deferral of all taxes
More informationRoth IRAs. Why Should I Convert Traditional IRA Funds into a Roth IRA? Questions & Answers
Roth IRAs Why Should I Convert Traditional IRA Funds into a Roth IRA? Questions & Answers Why is now the right time? Marginal income tax rates are relatively low on a historical basis. The sooner you do
More informationEXPLORING YOUR IRA OPTIONS. Whichever you choose traditional or Roth investing in an IRA is a good step toward saving for retirement.
EXPLORING YOUR IRA OPTIONS Whichever you choose traditional or Roth investing in an IRA is a good step toward saving for retirement. 2 EXPLORING YOUR IRA OPTIONS Planning for retirement can be a challenging
More informationComparison Chart: Pre-Tax Deferrals, Designated Roth Deferrals, In-Plan Roth Rollovers, & Roth IRAs
Comparison Chart: Pre-Tax Deferrals, Designated Roth Deferrals, In-Plan Roth Rollovers, & s Caution: Please note that some of the items included on this grid are the result of Lincoln National Corporation
More informationQPP DIRECT ROLLOVER APPLICATION FOR LUMP-SUM QPP DEATH BENEFIT TO AN INHERITED IRA (FOR NON-SPOUSE BENEFICIARIES ONLY)
QPP DIRECT ROLLOVER APPLICATION FOR LUMP-SUM QPP DEATH BENEFIT TO AN INHERITED IRA (FOR NON-SPOUSE BENEFICIARIES ONLY) INSTRUCTIONS PLEASE READ CAREFULLY This form may be filed ONLY by an individual who
More informationRoth IRAs. Why Should I Convert Traditional IRA Funds into a Roth IRA? Questions & Answers
Roth IRAs Why Should I Convert Traditional IRA Funds into a Roth IRA? Questions & Answers Purpose of a Roth IRA Conversion Contribution If a person has a traditional IRA, federal income tax laws allow
More informationHow To Convert An Ira To A Roth Ira
Roth Conversion Frequently Asked Questions Brian Dobbis QPA, QKA, QPFC Retirement Analyst, Private Wealth Group 888-522-2388 A Roth individual retirement account (IRA) is a tax-deferred and potentially
More informationRoth IRAs. Why Should I Convert My Traditional IRA into a Roth IRA? Questions & Answers
Roth IRAs Why Should I Convert My Traditional IRA into a Roth IRA? Questions & Answers Purpose of a Roth IRA Conversion Contribution If a person has a traditional IRA, federal income tax laws allow you
More informationTIAA-CREF (found on website)
TIAA-CREF (found on website) Retirement Security: IRA Basics ShareEmailPrint Even if you're already saving in a workplace retirement plan, think about investing in an individual retirement account (IRA)
More informationHow Can a Traditional IRA Help Me Save For Retirement?
Learn About IRAs Traditional IRAs How can a Traditional IRA help me save for retirement? Who may contribute, and how much? What is a spousal contribution? What is a SEP Contribution? What is an IRA catch-up
More informationDISCLOSURE STATEMENT
DISCLOSURE STATEMENT for Individual Retirement Annuities Home Office: Wilmington, Delaware Administrative Office: P.O. Box 19032 Greenville, SC 29602-9032 Telephone 866-262-1161 The following information
More informationDOMINI SOCIAL INVESTMENTS INDIVIDUAL RETIREMENT ACCOUNT (IRA) TRADITIONAL IRA SEP IRA ROTH IRA
DOMINI SOCIAL INVESTMENTS INDIVIDUAL RETIREMENT ACCOUNT (IRA) TRADITIONAL IRA SEP IRA ROTH IRA TABLE OF CONTENTS TRADITIONAL and ROTH INDIVIDUAL RETIREMENT ACCOUNT (IRA) 4 COMBINED DISCLOSURE STATEMENT
More informationInherited IRA Information Sheet
Inherited IRA Information Sheet Inheriting an IRA, whether it s a Traditional or Roth, raises a lot of questions. If you are reading this information sheet, the likelihood is that you are either the beneficiary
More informationAMENDMENT TO YOUR TRADITIONAL IRA
INDIVIDUAL RETIREMENT ANNUITY DISCLOSURE STATEMENT AMENDMENT This disclosure statement explains the rules governing a Traditional IRA. The term IRA will be used in this disclosure statement to refer to
More informationCan Deduction Be Taken Prior to Investing the Funds?
Deadline to Establish and Fund an IRA An IRA can be established and funded at any time from January of the current year and up to and including the date an individual s income tax return is due (generally,
More informationInherited Traditional IRAs for Non-Spouse Beneficiaries.
Rev. 9-4-2015 Inherited Traditional IRAs for Non-Spouse Beneficiaries. The Webinar will be starting shortly. 8:45am CST or 1:00pm CST Copyright 2015 Collin W. Fritz & Associates, Ltd. The Pension Specialists
More informationDirectly Rolling Over Inherited 401(k) Funds.
Directly Rolling Over Inherited 401(k) Funds. A financial institution will have current customers who will inherit a brother s, sister s, parent s, or child s 401(k). Commencing on January 1, 2009, it
More informationIRAs & Roth IRAs. IRA-to-IRA Rollovers & Transfers
IRAs & Roth IRAs IRA-to-IRA Rollovers & Transfers Including Rules for SIMPLE-IRAs & Roth IRAs Questions & Answers Purpose: The intent of this brochure is to provide an overview of rollovers, transfers,
More informationRoth IRA. Explore the Opportunity. 2 RBC Wealth Management
Roth IRA Explore the Opportunity 2 RBC Wealth Management N o w Y o u H a v e E v e n M o r e F l e x i b i l i t y i n H o w Y o u I n v e s t f o r Y o u r F u t u r e Retirement a time that you work
More informationyou can take RMDs while growing and protecting your benefit
ANNUITIES VARIABLE you can take RMDs while growing and protecting your benefit MetLife s optional riders provide you with the RMD flexibility you need GMIB Plus and Enhanced Death Benefit What is a variable
More informationRoth IRA. Answers. To Your. Questions
Roth IRA Answers To Your Questions A wealth of information to plan your future The Roth IRA offers unique and exciting savings opportunities. Not only can it help with retirement needs, but also a first-time
More informationThe Advantages of a Stretch IRA
Lifetime Retirement Planning with Wachovia Securities. The Advantages of a Stretch IRA Much is being heard these days about a concept called the Stretch IRA. This phrase is bandied about as being the answer
More informationRequired Distribution Election Form For IRA and 403(b) Contracts
Required Distribution Election Form For IRA and 403(b) Contracts Participant Name Contract Number Daytime Phone Number Date of Birth Plan Type Protective Life Insurance Company (PLICO/"the Company") Protective
More informationPRIVACY POLICIES, DISCLOSURES, INSTRUCTIONS & AGREEMENTS FOR: INDIVIDUAL RETIREMENT ACCOUNT (IRA) TRADITIONAL IRA SEP IRA ROTH IRA
Fairholme Funds Inc. PRIVACY POLICIES, DISCLOSURES, INSTRUCTIONS & AGREEMENTS FOR: INDIVIDUAL RETIREMENT ACCOUNT (IRA) TRADITIONAL IRA SEP IRA ROTH IRA FAIRHOLME FUNDS, INC. INDIVIDUAL RETIREMENT ACCOUNT
More informationRollover IRAs. Consider the advantages of consolidating your retirement savings
Rollover IRAs Consider the advantages of consolidating your retirement savings Consider the Advantages of Consolidating Your Retirement Savings If you have changed jobs, left the workforce or plan to
More informationDOMINI SOCIAL INVESTMENTS INDIVIDUAL RETIREMENT ACCOUNT (IRA) TRADITIONAL IRA SEP IRA ROTH IRA
DOMINI SOCIAL INVESTMENTS INDIVIDUAL RETIREMENT ACCOUNT (IRA) TRADITIONAL IRA SEP IRA ROTH IRA TABLE OF CONTENTS TRADITIONAL and ROTH INDIVIDUAL RETIREMENT ACCOUNT (IRA) 4 COMBINED DISCLOSURE STATEMENT
More informationMSRP Withdrawal Requirements, Options & Beneficiaries
MSRP Withdrawal Requirements, Options & Beneficiaries You have been deferring into your account for many years, and retirement is just around the corner. How might this money be distributed? What options
More informationGuide to Individual Retirement Accounts. Make a secure retirement yours
Guide to Individual Retirement Accounts Make a secure retirement yours Retirement means something different to everyone. Some dream of stopping employment completely and some want to continue working.
More informationInheriting an IRA Individual Beneficiary Checklist
Inheriting an IRA Individual Beneficiary Checklist PO Box 55932 Boston, MA 02205-5932 800-240-4313 Re-registration Requirements Completed Janus IRA Beneficiary Claim Form Individual Beneficiary Certified
More informationState Street Bank and Trust Company Universal Individual Retirement Account Information Kit
State Street Bank and Trust Company Universal Individual Retirement Account Information Kit The Federated Funds State Street Bank and Trust Company Universal Individual Retirement Custodial Account Instructions
More informationINDIVIDUAL RETIREMENT ACCOUNT (IRA) TRADITIONAL IRA SEP IRA ROTH IRA
INDIVIDUAL RETIREMENT ACCOUNT (IRA) TRADITIONAL IRA SEP IRA ROTH IRA TABLE OF CONTENTS COMBINED DISCLOSURE STATEMENT 3 TRADITIONAL INDIVIDUAL RETIREMENT ACCOUNT DISCLOSURE 6 ROTH INDIVIDUAL RETIREMENT
More informationExtending Retirement Assets: A Stretch IRA Review
Extending Retirement Assets: A Stretch IRA Review Are you interested in the possibility of using the funds in your traditional IRA to provide income to one or more generations of family members? Table
More informationSCHNEIDER FUNDS INDIVIDUAL RETIREMENT ACCOUNT (IRA) TRADITIONAL IRA SEP IRA ROTH IRA
SCHNEIDER FUNDS INDIVIDUAL RETIREMENT ACCOUNT (IRA) TRADITIONAL IRA SEP IRA ROTH IRA BNY MELLON INVESTMENT SERVICING TRUST COMPANY Supplement to the Traditional and Roth Individual Retirement Account (IRA)
More informationDisclosure Statement and Custodial Agreement for Traditional or Roth Individual Retirement Accounts
ab Disclosure Statement and Custodial Agreement for Traditional or Roth Individual Retirement Accounts This booklet contains disclosures required by federal law. a Please keep this information for future
More informationTraditional and Roth IRAs
Traditional and Roth IRAs Information Kit, Disclosure Statement and Custodial Agreement NOT FDIC INSURED \ NO BANK GUARANTEE \ MAY LOSE VALUE FRM-IRADISC(1/11) State Street Bank and Trust Company Universal
More information12/31/14. Retirement Account Distributions. General IRA Rules. Traditional IRA Distributions p. 90. Required Minimum Distributions [RMD]:
Retirement Account Distributions Chapter 8 Pages 89-118 General IRA Rules Required Minimum Distributions [RMD]: Traditional IRA Yes ROTH IRA - for contributor and spouse No - for non-contributor Yes Traditional
More informationPreference Premier. for your loved ones. Enhanced Death Benefit & Earnings Preservation Benefit. Protection Benefits ANNUITIES VARIABLE
ANNUITIES VARIABLE Preference Premier for your loved ones. Protection Benefits Enhanced Death Benefit & Earnings Preservation Benefit ISSUED BY METROPOLITAN LIFE INSURANCE COMPANY what if you could provide
More informationDistributions from Individual Retirement Arrangements (IRAs)
Department of the Treasury Internal Revenue Service Contents What's New for 2014 1 Publication 590-B What's New for 2015 1 Cat No 66303U Reminders 2 Distributions from Individual Retirement Arrangements
More information