Index
Numbers
10 years preceding retirement
converting IRAs to Roths
minimum withdrawals
tax savings
maximizing savings
asset allocation
balancing against college costs
finding money in the budget
needs versus luxury items
retiring later
tax planning
AMT
annuities
balancing tax-deferred accounts and taxable/tax-free accounts
50/50 pension benefit
60-day rollovers
72(t) IRA early withdrawals
401(a)s
401(k)s
60-day rollovers
beneficiaries
borrowing money against
loans
rebuilding the account
company stocks
contributions
employer contributions
employer setup
higher amounts
participation levels
vesting
while working
debit cards
defined
direct-transfer rollovers
early withdrawals
hardship withdrawals
investment choices
fees
simplified
IRA advantages over
managing
overview
Roth
safe-harbor
SIMPLE
Solo
Summary Plan Description
403(b)s
borrowing money from
loans
rebuilding the account
hardship withdrawals
Roth
457 deferred-compensation plans
borrowing money from
loans
rebuilding the account
hardship withdrawals
A
AARP online calculator
accounts
aggregators
balancing tax-deferred/taxable/ tax-free
borrowing against
estate planning
communication with family
estate taxes
IRA rollovers for charities
long-term care expenses
naming beneficiaries
permanent beneficiary decisions
second spouses
stretching IRAs for children
hardship withdrawals
401(k)s/403(b)s/457(b)s
IRAs
healthy
M&M checklists
security
staying on track
inherited IRAs
children
common mistakes
immediate steps to take
important dates
long-term planning
options as beneficiary
spouses
taxes
managing during retirement
annuitizing
asset allocation adjustments
consistent cash flow
M&Ms
organizing accounts
Social Security benefits
sources for advice
tax efficiency
managing through divorces
pension values
QUADROs
tax planning options
organizing
consistent cash flow
online
tax efficiency
planning tools
account aggregators
account organization
calculator comparisons
mistakes
protection
divorces
emergency funds
job changes
knowledge of the paperwork
long-term care
medical expenses
rebuilding
temporary cash assist. See temporary cash assist
active management of portfolios
advice resources for account management during retirement
after-tax dollars
aggregators
AGI (adjusted gross income)
alternative investments
gold/silver
prohibited transactions
real estate
self-directed IRAs
AM Best ratings website
AMT (alternative minimum tax)
annual expense ratios
annual out-of-pocket expenses
annuities
10 years preceding retirement
fees
fixed
one-third spousal benefits
payouts
single-life
variable
asset allocation
10 years preceding retirement
active versus passive management
advantages
allocating around bad accounts
employer plans
employer stock
hidden fees
variable annuities
alternative investments
gold/silver
prohibited transactions
real estate
self-directed IRAs
balancing
economic influences on investments
investment categories
less-volatile asset classes
long retirements
changing the mix
leveling the ups and downs
management during retirement
checking calculations
inflation
reviewing
online tools
stocks
target-date funds
volatile asset classes
B
benchmarks
beneficiaries
401(k)s
contingent
estate planning
communication with family
estate taxes
IRA rollovers for charities
naming
permanent decisions
second spouses
stretching IRAs for children
inherited accounts
children
spouses
IRAs
multiple
per stirpes
bonds
borrowing money from 401(k)s/ 403(b)s/457(b)s
401(k) debit cards
loans
rebuilding the account
building a healthy nest egg
M&M checklists
security
staying on track
C
CalcXML LLC calculator
capital gains tax rate
cash resources
borrowing money from 401(k)s/ 403(b)s/457(b)s
401(k) debit cards
loans
rebuilding the account
hardship withdrawls
401(k)s/403(b)s/457(b)s
IRAs
other than retirement accounts
catching up on savings
practicing retirement
retirement job planning
tracking living expenses
CDs (certificates of deposit)
Certified Financial Planner Board of Standards
changing jobs and nest egg protection
60-day rollovers
direct trustee-to-trustee transfers
charity beneficiaries
children
beneficiaries
inherited accounts
choosing
asset allocation
active versus passive management
advantages
allocating around bad accounts
alternative investments
economic influences on investments
employer plans
employer stock
gold/silver
hidden fees
investment categories
online tools
prohibited transactions
real estate
stocks
target-date funds
variable annuities
beneficiaries
investments
401(k)s
IRAs
cliff vesting
co-pays for health care
college expenses versus saving for retirement
communicating estate plans with family
company stocks in 401(k)s
compound interest
consistent cash flow
Consumer Price Index (CPI)
Consumer Price Index for Social Security income payments (CPI-W)
contingent beneficiaries
contributions
401(k)s
60-day rollovers
beneficiaries
direct-transfer rollovers
early withdrawals
employer contributions
employer setup
higher amounts
participation levels
Summary Plan Description
vesting
while working
defined
employer
IRAs
annual limits
beneficiaries
deducting on taxes
making contributions
nondeductible contributions IRS form
while working
withdrawals
Roth IRAs
eligibility limits
limits
SEP IRAs
costs. See fees
CPI (Consumer Price Index)
CPI-W (Consumer Price Index for Social Security income payments)
credit reports website
credit-reporting bureaus
D
deductibles
health care
taxes
defined-benefit pension plans
defined-contribution plans
direct trustee-to-trustee transfers
direct-transfer rollovers for 401(k)s
diversification
divorce management of accounts
pension values
QUADROs
tax planning options
dollar cost averaging
downshifting savings during high child-care years
E
early retirement
72(t) IRA early withdrawals
asset allocation
changing the mix
leveling the ups and downs
company stocks in 401(k)s
health savings accounts
income planning
pension planning
rollover management
early withdrawals
economic influences on investments
educational expenses
hardship withdrawals
saving for college versus saving for retirement
EFTs (exchange-traded funds)
eligibility limits for Roth IRAs
emergency funds
employee-managed accounts
employers
401(k)s
contributions
setup
contributions
Roth special plans
stock
ERISA (Employee Retirement Income Security Act)
estate planning
beneficiaries
communication with family
estate taxes
IRA rollovers for charities
naming
permanent decisions
second spouses
stretching IRAs for children
inherited IRAs
children
common mistakes
immediate steps to take
important dates
long-term planning
options as beneficiary
spouses
taxes
long-term care expenses
Medicare
nest egg protection
problems
risks
estate taxes
exchange-traded funds (EFTs)
F-G
FDIC (Federal Deposit Insurance Corp.)
fees
401(k)s
annuities
health care
hidden
IRAs
Fidelity website
financial calculators from KJE Computer Solutions
Financial Planning Association website
fixed annuities
Flexible Retirement Planner website
free credit reports
funds
lifestyle
target-date
goals for saving
setting
starting
gold investments
government encouragement for saving
GPO (Government Pension Offset)
graded vesting
H
hardship withdrawals
401(k)s/403(b)s/457(b)s
IRAs
health care
costs
hardship withdrawals
HSAs
long-term care expenses
Medicare
nest egg protection
problems
risks
planning
health savings accounts (HSAs)
healthy nest eggs
M&M checklists
security
staying on track
hidden fees
holiday gift-giving traditions
home expenses hardship withdrawals
HSAs (health savings accounts)
I
ignoring investing costs
income
2008 tax filing status phase-out range
adjusted gross income (AGI)
amount to save for retirement
planning for early retirement
Social Security payments
tax rates
taxable
Individual Retirement Accounts. See IRAs
inflation
asset allocation during retirement
planning
unreasonable assumptions
inherited IRAs
children
common mistakes
immediate steps to take
important dates
long-term planning
options as beneficiary
spouses
taxes
insurance companies’ financial security
intermediate-term bonds
Internet tools
accounts
aggregators
organization
asset allocation tools
calculator comparisons
family/friend loan management services
planning tools
mistakes
car/home expenses
ignoring investing costs
planning for a short retirement
projecting high returns
taxes
unreasonable assumptions for inflation
investments
401(k)s
fees
simplified
categories
IRAs
IRAs (Individual Retirement Accounts)
72(t) early withdrawals
advantages over 401(k)s
asset allocation plans
beneficiaries
contributions
annual limits
deducting on taxes
making
nondeductible contributions IRS form
while working
converting to Roth IRAs
minimum withdrawals
tax savings
defined
estate planning
rollovers for charities
stretching for children
fees
hardship withdrawals
inherited
children
common mistakes
immediate steps to take
important dates
long-term planning
spouses
taxes
investments
IRS rules
opening
overview
protection
Roth
advantages over 401(k)s
contributions
IRA conversions
limitations
overview
protection
tax savings
withdrawals
self-directed
SEP (Simplified Employee Pension)
SIMPLE (Savings Incentive Match Plan for Employees)
withdrawals
IRS website
J-K
job changes and nest egg protection
60-day rollovers
direct trustee-to-trustee transfers
KJE Computer Solutions calculator website
L
large cap
late start savings planning
practicing retirement
retirement job planning
tracking living expenses
later retirement
laws encouraging saving
less-volatile asset classes
lifestyle funds
lifetime maximum benefits
limits
IRA contributions
Roth IRAs
contributions
eligibility
loans against
401(k)s
employer plans
long-term care expenses
Medicare
nest egg protection
problems
risks
long-term disability
long-term planning of inherited accounts
lump sum distribution of pensions
M
M&Ms (monthly money meetings)
10 years preceding retirement
checklists
during retirement
staying on track
managing
accounts during retirement
annuitizing
asset allocation adjustments
consistent cash flow
M&Ms
organizing accounts
Social Security benefits
sources for advice
tax efficiency
accounts through divorces
pension values
QUADROs
tax planning options
employer stocks
hidden fees
portfolios
marginal tax rates
market swoons
married, filing jointly income tax rates
married couples’ Social Security benefits
maximizing savings 10 years preceding retirement
asset allocation
balancing against college costs
converting IRAs to Roths
minimum withdrawals
tax savings
finding money in the budget
needs versus luxury items
retiring later
tax planning
AMT
annuities
balancing tax-deferred accounts and taxable/tax-free accounts
maximum annual out-of-pocket expenses
medical care
costs
hardship withdrawals
HSAs
long-term care expenses
Medicare
nest egg protection
problems
risks
planning
Medicare
Mint website
mistakes in online planning
car/home expenses
ignoring investing costs
planning for a short retirement
projecting high returns
taxes
unreasonable assumptions for inflation
money market accounts
Monte Carlo style online calculator website
monthly money meetings. See M&Ms
Morningstar website
mortgage payment planning
multiple beneficiaries
mutual funds
N
naming beneficiaries
National Association of Professional Financial Advisors
nest eggs. See also saving
planning
M&M checklists
security
staying on track
protecting
divorces
job changes
knowledge of the paperwork
long-term care
medical expenses
unexpected expenses
O
online planning tools
account aggregators
account organization
asset allocation tools
calculator comparisons
family/friend loan management services
mistakes
car/home expenses
ignoring investing costs
planning for a short retirement
projecting high returns
taxes
unreasonable assumptions for inflation
opening IRAs
organizing accounts
consistent cash flow
tax efficiency
organizing financial accounts online
P
P2P (peer-to-peer) lending
paperwork
passive management of portfolios
payday loans
pensions
50/50 benefit
early retirement planning
lump sum distribution
single-life annuities
spousal benefits
values
per stirpes
planning
asset allocation
active versus passive management
advantages
allocating around bad accounts
alternative investments
economic influences on investments
employer plans
employer stock
gold/silver
hidden fees
investment categories
online tools
prohibited transactions
real estate
stocks
target-date funds
variable annuities
contributions
401(k)s
IRAs
early retirement
72(t) IRA early withdrawals
asset allocation
company stocks in 401(k)s
health savings accounts
income
pensions
rollovers
estate planning. See estate planning
health care
income taxes during retirement
inflation
long-term planning of inherited accounts
nest egg
M&M checklists
security
staying on track
online tools
account aggregators
account organization
calculator comparisons
car/home expenses
ignoring investing costs
planning for a short retirement
projecting high returns
taxes
unreasonable assumptions for inflation
retirement jobs
rules of thumb
savings. See saving
Social Security benefits
taxes
unexpected expenses
emergency funds
long-term disability
medical expenses
portfolio asset allocation
10 years preceding retirement
active versus passive management
advantages
allocating around bad accounts
employer plans
employer stock
hidden fees
variable annuities
alternative investments
gold/silver
prohibited transactions
real estate
self-directed IRAs
balancing
economic influences on investments
investment categories
less-volatile asset classes
long retirements
changing the mix
leveling the ups and downs
management during retirement
checking calculations
inflation
reviewing
online tools
stocks
target-date funds
volatile asset classes
post-divorce saving planning
practicing retirement
premiums for health care
pretax dollars
prime rates
prohibited transactions
projecting high returns
Prosper website
protection
estate taxes
IRAs
long-term care expenses
nest eggs
divorces
job changes
knowledge of the paperwork
planning for unexpected expenses
Q-R
QUADROs (qualified domestic relations orders)
qualified withdrawals
real estate investing
rebuilding accounts
REITs (Real Estate Investment Trusts)
required minimum distribution (RMD)
resources for quick cash
borrowing money from 401(k)s/ 403(b)s/457(b)s
401(k) debit cards
loans
rebuilding the account
hardship withdrawals from 401(k)s/403(b)s/457(b)s
hardship withdrawals from IRAs
other than retirement accounts
retirement jobs
retiring
early. See early retirement
later in life
reviewing portfolios
RMD (required minimum distribution)
rollovers
early retirement planning
IRA rollovers for charities
Roth, William V. Jr.
Roth 401(k)s
Roth 403(b)s
Roth IRAs
advantages over 401(k)s
contributions
IRA conversions
limitations
overview
protection
tax savings
withdrawals
S
safe-harbor 401(k)s
saving
10 years preceding retirement
asset allocation
balancing against college costs
converting IRAs to Roths
finding money in the budget
maximizing
retiring later
tax planning
after divorces
amounts
catching up
practicing retirement
retirement job planning
tracking living expenses
emergency funds
planning
M&M checklists
security
staying on track
protecting
divorces
job changes
knowledge of the paperwork
long-term care
unexpected expenses
setting goals
amount to save
employer contributions
starting
tips for young families
downshifting during high child-care years
gift-giving ideas for savings
mortgage payments
savings accounts
second spouse estate planning
Securities Investor Protection Corp. (SIPC)
security of nest eggs
see-through trusts
self-directed IRAs
self-employed plans
SEP IRAs
SIMPLE 401(k)s
SIMPLE IRAs
Solo 401(k)s
SEP (Simplified Employee Pension)
SEP IRAs
setting savings goals
amount to save
employer contributions
silver investments
SIMPLE (Savings Incentive Match Plan for Employees)
SIMPLE 401(k)s
SIMPLE IRAs
simplified investing
single filers income tax rate
single-life annuities for pensions
singles’ Social Security benefits
SIPC (Securities Investor Protection Corp.)
small business plans
SEP IRAs
SIMPLE 401(k)s
SIMPLE IRAs
Solo 401(k)s
Social Security
benefit estimator
early benefits
income payments
married/single benefits
warning signs
website
Solo 401(k)s
SPD (Summary Plan Description)
special plans
401(a)s
403(b)s
457 deferred-compensation plans
Roth 401(k)s
Roth 403(b)s
Standard and Poor’s website
starting saving
stocks
asset allocation
employer
stretching IRAs for children
Summary Plan Description (SPD)
T
target-date funds
tax-deductibles
tax-deferred accounts
tax-free accounts
taxable accounts
taxable income
taxes
adjusted gross income (AGI)
after-tax dollars
AMT
benefits
capital gains tax rate
deductibles
estate
filing status 2008 income phase-out range
income
inherited accounts
IRA contributions deductions
managing accounts through divorces
marginal tax rates
nondeductible IRA contributions
online planning
organizing accounts for tax efficiency
planning
pretax dollars
Roth savings
tax years
tax-deferred accounts
taxable income
temporary cash assist
borrowing money against 401(k)s/403(b)s/457(b)s
401(k) debit cards
loans
rebuilding the account
hardship withdrawals from 401(k)s/403(b)s/457(b)s
hardship withdrawals from IRAs
resources other than retirement accounts
total disability hardship withdrawals
transferring 401(k)s
U-V
unexpected expenses
emergency funds
long-term disability
medical expenses
unreasonable assumptions for inflation
variable annuities
vesting
Virgin Money website
volatile asset classes
W-X
warning signs
health care
income taxes
inflation
Social Security
websites
AARP calculator
AM Best ratings
asset allocation tools
CalcXML LLC calculator
Certified Financial Planner Board of Standards
Fidelity
Financial Planning Association
Flexible Retirement Planner
free credit report
IRS
KJE Computer Solutions calculator
Medicare
Mint
Morningstar
National Association of Professional Financial Advisors
peer-to-peer lending
Prosper
Social Security
Social Security benefits estimator
Standard and Poor’s
tax planning software
Virgin Money
Wesabe
Yodlee
Zopa
WEP (Windfall Elimination Provision)
Wesabe website
withdrawals
401(k)s
defined
early retirement
72(t) IRA withdrawals
company stocks in 401(k)s
income planning
rollovers
hardship
401(k)s/403(b)s/457(b)s
IRAs
IRAs
Roth IRAs
Y-Z
Yodlee website
young families’ savings tips
downshifting during high child-care years
gift-giving ideas for savings
mortgage payments
Zopa website
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