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Taxes and Information on Retirement Plans
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Taxes and Information on Retirement Plans
by Bill Lane, Jennifer Lane
The Complete Idiot's Guide® To Protecting Your 401(k) and IRA
Title Page
Copyright Page
Dedication
Introduction
Part 1 - Understanding Your Accounts
Chapter 1 - Retirement Accounts and Why You Need to Protect Them
You’re in the Driver’s Seat
Reading the Warning Signs
Living Longer Requires a Bigger Nest Egg
Retirement Planning Rules of Thumb
Introducing 401(k)s and IRAs
Chapter 2 - How They Work: 401(k)
The Basics: Contributing to Your 401(k)
Your 401(k) Investment Choices
401(k) Investing While You’re Still Working
Withdrawing Early, When You’re Out of Options
Chapter 3 - How They Work: IRA
Just the Facts
Getting Started: Opening and Investing Your IRA
Nurturing Your Nest Egg Before Retirement
Roth IRA
Chapter 4 - Special Employer Plans
Plans for the Small Business and the Self-Employed
403(b) Plans: More Than 401(k)s for Teachers
The 403(b)’s Partner: 401(a) Plans
457 Deferred-Compensation Plans
Employer Roths: Roth 401(k) and Roth 403(b)
Part 2 - Tending Your Nest Egg
Chapter 5 - Going Online for Help
Keeping It Organized
Helpful Tools
Comparing the Online Calculators
Avoiding the Common Mistakes
Chapter 6 - Keep It Growing
Setting Your Savings Target
It’s Never Too Early to Start
Savings Tips for Young Families
Playing Catch-Up
Back on Track After Divorce
Protect Your Nest Egg When You Change Jobs
Chapter 7 - Asset Allocation: Make Your Investments Work for You
Getting the Numbers Right
Active vs. Passive Investing: Choosing Your Best Style
On the Margins: Alternative Investments
Allocate Around a “Bad” Account
Chapter 8 - Against All Enemies, Foreign and Domestic
Don’t Be Your Nest Egg’s Biggest Enemy: Plan for the Unexpected
Keep It Growing When You Change Jobs
Pay Attention to Rules and Paperwork
Managing Your Retirement Accounts Through Divorce
Chapter 9 - When You Need to Dip Into Your Accounts
Last Resort: Other Cash Options Besides Retirement Savings
Hardship Withdrawals from Your IRA-Based Account
Hardship Withdrawal from Your Plan at Work
Borrowing Your Own Money
Part 3 - Ready for Retirement
Chapter10 - Ten Years Before You Retire
Shifting Gears for Maximum Savings
Keep It in Balance
Taxes: Pay Now or Pay Later
Converting to a Roth
Trend Watch: Retiring Later
Chapter11 - Retiring Early
Minding the Special Withdrawal Rules
Asset Allocation for a Long Retirement
Pension Planning: Know the Numbers
Medical IRA
Chapter12 - Managing Your Plans During Retirement
Organizing Your Accounts
Adjusting Your Asset Allocation
Social Security Planning
Annuitize or Not?
Best Sources for Advice
Part 4 - After You’re Gone
Chapter13 - Leaving It Behind
Charity and the Kids
Naming Your Beneficiaries
Protecting Your Estate from Long-Term Care Expenses
Decisions That Are Set in Stone
Planning with Your Second Spouse in Mind
Chapter14 - Inherited IRAs
Step One: Stop and Think
Planning for the Long Term
What Spouses and Nonspouses Need to Know
Guard Against the Common Mistakes
Appendix A - Glossary
Appendix B - Web Resources
Calculators and Asset Allocation Tools
Account Aggregators
Asset Allocation and Investing
Retirement Planning
Hiring Professional Advice
Financial Sites, Newsletters, and Blogs
Online Money Market Accounts
Real Estate
Taxes and Information on Retirement Plans
Estate Planning and Elder Law
Online Education
Divorce
Widowhood
Appendix C - Staying the Course When the Economy Gets Choppy
1. Understand your account statements2. Don’t change your plan contributions3. Turn off the “auto-rebalance” feature4. Don’t buy anything you don’t need5. Track expensesUnderstand Your Account Stateme
Don’t Change Your Plan Contributions
Turn Off the “Auto-Rebalance” Feature
Don’t Buy Anything You Don’t Need
Track Your Expenses
What If Your Partner Disagrees?
Index
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Estate Planning and Elder Law
Taxes and Information on Retirement Plans
The IRA and the Department of Labor are the final word on the laws regulating your retirement plan, but these other sites might make interpreting what you find at
IRS.gov
and
Dol.gov
easier to understand.
Internal Revenue Service—
www.irs.gov
Department of Labor—
www.dol.gov
Tax Guide for Investors—
www.fairmark.com/amt
Accountants World—
www.accountantsworld.com
World Wide Web Tax—
www.wwwebtax.com
Don’t Mess with Taxes—
www.dontmesswithtaxes.typepad.com
Inherited IRA Info—
www.inherited-ira.info
Retirement Plan Blog—
www.retirementplanblog.com
Rollover IRA—
www.rollover-ira.info
Health Savings Accounts—
www.health-savings-accounts.com
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