Retirement Planning

by Denise Appleby CISP, CRC, CRPS, CRSP, APA Individuals who elected to have their federal tax refunds credited to their individual retirement arrangement (IRA), health

by Denise Appleby CISP, CRC, CRPS, CRSP, APA The IRS issued IR-2008-118 , in which they provide plan limits for 2009. The following are the

by Denise Appleby CISP, CRC, CRPS, CRSP, APA The use of the term trustee-to-trustee transfer as it relates to qualified HSA funding distributions has created

by Denise Appleby CISP, CRC, CRPS, CRSP, APA Of all the retirement plans, the Traditional IRA and the Roth IRA are the most accessible retirement

by Denise Appleby, CISP, CRC,CRPS, CRSP, APA During the first few months of the year, many taxpayers will be looking for ways to reduce their

by Denise Appleby, CISP, CRC, CRPS, CRSP, APA Earnings in Roth IRAs accumulate on a tax-deferred basis, but eventually become tax-free if distributions are qualified.

by Denise Appleby, CISP, CRC, CRPS, CRSP, APA The Roth IRA is often referred to as the back-ended IRA. This is because unlike Traditional IRAs

  by Denise Appleby CISP, CRC, CRPS, CRSP, APA   Important Update: The Tax Cuts and Jobs Act of 2017 repealed the option to recharacterize

by Denise Appleby CISP, CRC, CRPS, CRSP, APA A Taxpayer who misses the deadline for completing a recharacterization may have some recourse, if the failure