IRAs

This section covers the rules, regulations and restrictions for traditional and Roth IRAs, as well as other types of individual retirement planning options like SIMPLE plans, SEPs and Keough plans. 



IRAs

IRAs

By ASPPA Net Staff6/21/2016 • 0 Comments

With the official Atlantic hurricane season just begun, it's timely to remember the possibility of significant property losses and business disruption — and the need for hardship distributions. READ MORE

By Nevin Adams 6/3/2016 • 0 Comments

Many advisors — and advisory firms — have assumed that recommending a recordkeeper under the new fiduciary regulation wouldn’t constitute a fiduciary act. But that assumption may be wrong. READ MORE

By ASPPA Net Staff5/19/2016 • 0 Comments

The IRS has published final regulations regarding disbursements from a designated Roth account that is directly rolled over to an eligible retirement plan. READ MORE

By ASPPA Net Staff4/15/2016 • 0 Comments

Some retirees and IRA holders who turned age 70½ in 2015 had to take required minimum distributions by April 1; others must take them by New Year’s Eve. FINRA has taken the opportunity to update its treatment of common questions about RMDs and IRAs. READ MORE

By Nevin Adams 1/26/2016 • 0 Comments

Harkening back to a brief reference to benefit portability in the State of the Union address, the Obama Administration has announced its desire to extend Multiple Employer Plan (MEP) access to the private sector. READ MORE

By Brian Graff1/22/2016 • 0 Comments

ASPPA Executive Director Brian Graff writes that new DOL guidance gives state-run retirement plan products an unfair advantage without any reasonably apparent policy justification. READ MORE

By ASPPA Net Staff1/20/2016 • 0 Comments

A recent study suggests that the principle location, location, location that applies to real estate also may apply to retirement plan access. READ MORE

By ASPPA Net Staff1/4/2016 • 0 Comments

Just before Christmas, President Obama signed into law H.R. 2029, a massive year-end spending and tax bill containing a number of provisions affecting health and retirement plans. Here’s what you may have missed. READ MORE

By ASPPA Net Staff12/21/2015 • 0 Comments

The decision to contribute or convert to a Roth IRA incurs an immediate tax liability that could become so heavy as to be destructive, writes Michael Kitces in “Using Systematic Partial Roth IRA Conversions and Recharacterizations To Fill The Lower Tax Bracket Buckets.” READ MORE

By ASPPA Net Staff11/25/2015 • 0 Comments

The Obama Administration recently unveiled its myRA program, a federal effort to encourage retirement savings and provide an easy, low-impact way for those who do not participate in a retirement plan to set something aside; Chris Carosa discusses arguments pro and con. READ MORE

By Nevin Adams11/17/2015 • 0 Comments

Retirement seems close for some, but whether you’ve been saving or not, or not saving enough — here are six things Boomers need to know about saving for retirement. READ MORE

By Nevin Adams11/16/2015 • 0 Comments

The Department of Labor on Nov. 16 unveiled a proposed rule to clarify ERISA's application to state-run IRA programs, creating an unfair advantage for those programs over those offered by the private sector. READ MORE

By ASPPA Net Staff11/11/2015 • 0 Comments

Another bill looking to derail the Department of Labor’s fiduciary proposal has been introduced in Congress. READ MORE

By Andrew Remo11/6/2015 • 0 Comments

The Windy City played host in the first week of November to a gathering focused on developing ideas to address America’s retirement savings challenge — but government-run solutions dominated the conversation. READ MORE

By ASPPA Net Staff11/5/2015 • 0 Comments

The Treasury Department has officially launched its MyRA program on a national basis, hoping to “create a savings habit that will grow,” according to Treasury Secretary Jacob Lew. READ MORE

By ASPPA Net Staff11/2/2015 • 0 Comments

The Social Security Administration and the IRS have issued the Fall 2015 edition of their joint online newsletter, the SSA/IRS Reporter, This edition includes information on issues related to retirement plans and compliance. READ MORE

By ASPPA Net Staff10/29/2015 • 0 Comments

The IRS issued a reminder in IR-2015-122 on Oct. 29 that those born before July 1, 1945 generally must receive payments from their IRAs by Dec. 31. READ MORE

By ASPPA Net Staff9/22/2015 • 0 Comments

An employer sponsor of a SIMPLE IRA plan must restore to the plan withheld contributions that never made it into the plan’s funds, the U.S. District Court for the District of Connecticut ruled on Sept. 9. READ MORE

By ASPPA Net Staff9/14/2015 • 0 Comments

The Department of Labor has published a “Q&A on Small Savers,” a new initiative in the communication “war” about its conflict of interest proposal. READ MORE

By ASPPA Net Staff8/19/2015 • 0 Comments

Only 22% of individuals who owned a traditional or Roth IRA took a withdrawal in 2013, a percentage largely driven by activity among individuals ages 70½ or older. READ MORE

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