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The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Pacific Empire Financial, deems reliable but in no way does Pacific Empire Financial guarantee its accuracy or completeness. Pacific Empire Financial had no involvement in the creation of the content and did not make any revisions to such content. All such third-party information and statistical data contained herein is subject to change without notice and may not reflect the view or opinions of Pacific Empire Financial. Nothing herein constitutes investment, legal or tax advice or any recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Pacific Empire Financial, execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
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Bad Advice Turns Me Into the Hulk
By Andy Ives, CFP®, AIF® IRA Analyst Before he transformed into the Incredible Hulk, Bruce Banner once said to his antagonist, “Don’t make me angry. You wouldn’t like me when I’m angry.” That’s a little how I feel when I hear stories about lazy financial professionals...
Are My SEP and SIMPLE IRAs Safe from Creditors?
By Ian Berger, JD IRA Analyst You are not alone if you have concerns that your IRA or workplace plan savings could be lost if you are forced to declare bankruptcy or wind up on the losing end of a civil lawsuit. After all, we all count on those savings for a...
IRA Transfers and Qualified Charitable Distributions: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: Hello, I have two IRA annuities with different insurance companies. One of my annuities is maturing and I would like to transfer it upon maturity to a different insurance company. Do I need to take my 2025 required...
When You SHOULD Name a Trust as IRA Beneficiary
By Sarah Brenner, JD Director of Retirement Education Here at the Slott Report we hear many stories about trusts being named as IRA beneficiaries and the problems that follow. Often, there seems to be no purpose for naming the trust and it brings unnecessary...
Fixing a Converted RMD…and the Tax Reporting
By Andy Ives, CFP®, AIF® IRA Analyst We know that required minimum distributions (RMDs) cannot be rolled over or converted. Before a person does any Roth IRA conversions, all of their IRA RMDs must be satisfied. (See this prior Slott Report post: “New Rule: All IRA...
Roth Conversions and HSA Distributions: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst Question: Recently, I’ve received dozens of emails suggesting that traditional IRA owners can convert to a Roth IRA and somehow avoid all or some tax. Is this a scam? Thank you in advance. Bill Answer: Hi Bill, There is no way for...
Inherited Roth IRAs and IRA Transfers: Today’s Slott Report Mailbag
By Sarah Brenner, JD Director of Retirement Education Question: Hello, I have a question concerning inherited Roth IRAs. I know that in the past you have said that no annual required minimum distributions (RMDs) are required for these accounts. Does this...
Misconceptions About the Still-Working Exception
By Andy Ives, CFP®, AIF® IRA Analyst Regardless of the topic, we could all use an occasional refresher. Retirement account rules are incredibly complicated, and we all have our blind spots. Even seasoned financial advisors with extensive client lists can overlook...
Backdoor Roth Conversions and IRA Losses: Today’s Slott Report Mailbag
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: Thank you for all you do to educate the public. I’m hoping you guys can settle a debate that’s been going on with a few financial advisors and CPAs regarding the 5-year rule for Roth IRA conversions. I was...
The following link/content may include information and statistical data obtained from and/or prepared by thirdparty sources that Pacific Empire Financial, deems reliable but in no way does Pacific Empire Financial guarantee its accuracy or completeness. Pacific Empire Financial had no involvement in the creation of the content and did not make any revisions to such content. All such third-party information and statistical data contained herein is subject to change without notice and may not reflect the view or opinions of Pacific Empire Financial. Nothing herein constitutes investment, legal or tax advice or any recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Pacific Empire Financial, execution of required documentation, and receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.
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