6 Ways To Prevent Your Estate Plan From Ruining Your Roth IRA
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Many executors, trustees, or even estate plans make careless mistakes which end up in Roth IRAs being distributed too quickly. Here’s a list of ways to prevent your estate plan from ruining your Roth.

What is the 5-Year Roth Rule?
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You can’t touch the earnings on your contributions until you’ve had an account open for 5 years and you’re either over age 59 ½ or you meet special exceptions.

Q&A: What’s My Roth Conversion Limit?
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The legal answer to this question is: there is no limit. The practical answer is: it depends on a number of things.

Can I Continue Retirement Saving Past Age 70 1/2?
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The rules for post-70 ½ IRA contributions depend upon whether the account is a traditional IRA, Roth IRA or SEP IRA.

Fixing 401(k) Rollover Mistakes
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The IRS has a rule that if you are doing a rollover for a 401(k), you have 60 days to complete that process. But what if you experience a tragedy and can’t finish on time?

Roth IRAs Make Great Estate Planning Tools
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Taking the smallest distribution each year will ensure the beneficiary achieves the maximum tax-free growth of tax-free income.

Don’t Forget to Rebalance All Your Assets
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It can be easy to forget about your company’s 401(k) because you aren’t depositing the money yourself, your pre-tax contributions are deducted from your paycheck and are electronically deposited by your employer.

How Much Can I Contribute to My Retirement Accounts?
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With many types of retirement accounts available, it can be difficult to keep track of how much you can put away where, especially if you are eligible to contribute to multiple accounts.

Do Children Need To File A Tax Return To Fund Their Roth IRA?
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The IRS does not require dependents whose gross income is only earned income to file a tax return if the amount is less than a certain amount.

Can I Contribute to Both a SEP and a 401(k)?
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SEP plans offer a powerful way to provide for your own retirement in the same way that 401ks do.

Can I Contribute to my Roth IRA?
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There are some cases that are not as straightforward and if you fall into these categories, you might not know whether or not you are allowed to contribute to a Roth IRA.

Fund Your 401(k) If You Believe In Free Markets
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I recently read a foolish article entitled “Call for a National Savings Plan” that assumed we haven’t tried a national savings plan already.

Four Things You Can Do with Your Roth Before April 15
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If you have not yet funded your Roth account for 2015, it is not too late!

Asset Allocations for UVA Retirement Plans at Fidelity
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The University of Virginia plan includes funds sufficient to produce these excellent portfolios.

Marotta’s 2016 UVA Fidelity 403(b) Calculator
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Age appropriate asset allocation for 2016 using the choices available in the University of Virginia’s Fidelity 403(b) Tax Deferred Savings Plan (TDSP).

Marotta’s 2016 UVA Fidelity 401(a) Plans Calculator
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Age appropriate asset allocation for 2016 using the choices available in several of the University of Virginia’s Fidelity Retirement Plans.

After-Tax IRA Contributions Must Be Reported On IRS Form 8606
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The backdoor Roth strategy involves contributing after-tax funds to a traditional IRA.

Radio Interview: Which Retirement Accounts Should I Fund?
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David John Marotta was interviewed on radio 1070 WINA discussing which retirement accounts you should fund for the best tax outcomes.

Can I Contribute To A Roth IRA If I Don’t Have A Job?
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You can only contribute to your Roth IRA if you have what the IRS calls “earned” income. This makes it all the more important to contribute to your Roth IRA every year you can.

How Much Can I Contribute To A Roth IRA If I Earn Too Much?
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I’m on the borderline for being able to contribute to a Roth IRA. How do I determine how much I can contribute?

How To Correct Excess Roth IRA Contributions
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Regardless of the reason, if you have put too much money in your Roth IRA, the solution is the same.

Can I Contribute To My Wife’s Roth IRA?
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I have earned income but my wife does not. Can I contribute to my wife’s Roth IRA?

What is a Backdoor Roth?
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Even over the income threshold, you may still be able to add funds to your Roth IRA with what is called a backdoor Roth.

Mailbag: Roth IRA vs. Roth 401k, Which is Better?
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Differing legislation makes one of the two preferable.

How Much Can I Contribute To My SEP IRA?
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The calculations for this are a little strange. Here is the formula and two examples of how it works to help you.

Which Retirement Account Should I Fund?
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Which account you should fund depends on your circumstances, but here are some general guidelines you can follow to make your decision.

How Can I Contribute to Two Roths?
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The terminology is a little confusing, but you are allowed to have and contribute to both individual retirement accounts and employment-related retirement accounts.

How to Convert Taxable Savings Into Your Roth IRA
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Most tax professionals don’t think of such tax planning opportunities, because they have to focus on complying with tax accounting regulations.

What Should I Do With a 401(k) From a Previous Employer?
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You have 3 basic options, but whichever option you choose, do not lose track of the accounts you own.

Can I Fund My Roth With Book Publishing Royalties?
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Roth IRAs can only be funded with earned income and therein lies the confusion.

Tax Alpha: How to Fix a Client Portfolio
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Good financial planners can be worth their weight in gold in helping clients build a tax-efficient portfolio.

Can I Contribute to a Roth IRA?
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How do you know if you can contribute to a Roth IRA? See this flowchart for answers.

Mailbag: Is There An Advantage For Me To Do A Roth Conversion?
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My wife and I are 65 years old and I am newly retired. Is there any advantage in doing a Roth conversion this year?

Will Roth Conversion Affect My Estimated Tax Payments?
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Roth conversions are a great way to save money and if you have a good financial planner, they need not be a headache.

How to Open a Roth for Your Child
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Someone has to be proactive about your child’s retirement and every year you don’t open a retirement account is another year you’re holding back compound interest.

Mailbag: Can I Roll My IRA Into A REIT Tax-Free?
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A reader asks, “My wife has a $250K SEP IRA earning 1.5% interest. Can we use any of the funds for real-estate investments?”

Taxes on Non-Deductible IRA Contributions
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“Once you put cream in the coffee, all coffee removed from the cup is partly cream and partly coffee.”

Roth IRA Conversions and Roth Segregation Strategies
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Roth accounts have several advantages over traditional retirement accounts.

Roth IRA Calculator and Rules
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A complete guide to using Roth IRAs to build lasting wealth.

Retirement Plan Asset Allocation: University of Virginia Case Study
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Many people lack the time and expertise to develop an intelligent retirement asset allocation plan.

UVA Tax-Deferred Retirement Plan Asset Allocation Tools
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We have created several asset allocation tools to aid those seeking an intelligently diversified portfolio.

If Tiger Woods Can Contribute To A Roth, So Can You – Via Back Door
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A backdoor Roth IRA contribution requires some extra steps but allows high-income earners equal access to the tax-free benefits of a Roth IRA.

How to Calculate An Advisor’s Value: Tax Efficiency
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A dollar saved on your taxes is better than a dollar earned which causes you to pay more tax.

How quickly should 401(k) deposits be remitted?
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As the payroll processor at our company, how quickly do I need to deposit 401(k) contributions into employee accounts? -Sincerely, Payroll Pam

Is Your 401(k) Plan Secure?
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Money deducted from your paycheck for retirement typically gets deposited quickly into your 401(k) plan. But this isn’t always the case.

Roth’s Less-Known Strengths
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Mr. Roth can also help with transferring gifts to your heirs, setting up your first emergency reserve account, and paying for a new house or college expenses. But don’t ask him to iron your clothes. That’s where he draws a line.

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