By Steve Weisman
ISBN-10: 0131881760
ISBN-13: 9780131881761
ISBN-10: 0132054663
ISBN-13: 9780132054669
Social defense is altering. Medicare is altering. Medicaid is altering. Retirement making plans is altering. it truly is significant with the intention to live to tell the tale financially to appreciate those complicated alterations and cause them to paintings on your virtue. those concerns really have an effect on child boomers taking good care of getting older mom and dad or making plans their very own retirement and monetary destiny. This e-book exhibits you what to anticipate, what those adjustments suggest and the way to make those adjustments paintings on your advantage.Consumer finance professional and nationally syndicated radio host Steve Weisman starts off with an entire consultant on your retirement funding offerings, from IRAs and 401Ks to the most recent coverage products... even new recommendations, equivalent to opposite mortgages. Drawing on his extraordinary services as a monetary planner and legal professional focusing on elder care matters, Weisman offers insights you cannot locate in different places: easily, painlessly, and with welcome humor.
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Extra resources for Boomer or Bust: Your Financial Guide to Retirement, Health Care, Medicare, and Long-Term Care
Sample text
In this way, you will maintain more of your investments in the stocks providing growth. Fees, If You Please It’s not what you make that counts; it’s what you keep. Fees for managing investments can take a significant bite out of the actual return on your investment. Because most target funds are mutual funds that are made up of a mixture of other mutual funds, you might find that this is an expensive way to do your investing. Not only do you pay a management fee to the target fund, but within the fund are buried management fees to each of the mutual funds that make up your target fund.
Listing your spouse as a beneficiary gives your spouse the ability to roll over your IRA, at your death, into his or her own IRA and then withdraw the IRA funds based upon his or her own IRS determined life expectancy. Based on the IRS Uniform Lifetime Table, this is 17 years for a 70-yearold. In this instance, then, a 70-year-old surviving spouse could either extend the tax deferral of a traditional IRA or avoid the full tax of a Roth IRA for another 17 years—and that, in turn, results in some considerable tax savings.
People who leave a job for whatever reason have a right to either leave their retirement money in the company-sponsored 401(k) or have it rolled into an IRA that they themselves control. This enables former employees to invest their retirement money in whatever investments are allowed under IRA rules. The investment choices available to a former employee in a selfdirected IRA are far broader than those available when a former employee leaves the money in the company’s 401(k) plan. And whether you keep it in the company 401(k) plan or roll over the money into your own IRA, income tax deferral (or complete avoidance, in the case of a company-sponsored Roth 401[k] plan) is fully available to the former employee.