IRA's, 401 (k)s, & Other Retirement Plans
If you are approaching retirement, changing jobs, leaving work to return to school, or dealing with an inherited retirement account, you need the practical advice offered here to help you avoid the stiff tax penalties that can quickly eat up your retirement nest egg.

It will help you avoid the stiff penalties that lurk within the fine print of most retirement plans. You find practical knowledge of all common types of retirement plans, including 401 (k)s and other profit sharing plans, Keogh plans for the self-employed, IRAs and tax-deferred annuities. Figure out how to avoid or minimize the taxes and penalties that can deplete your retirement account.

Written in plain English by a lawyer who walks you through each step of what you need to consider in tax strategies before retirement, and at retirement.
320 pages, 8 x 10, $34.99

Contents

1: Types of Retirement Plans
Qualified Plans
Individual Retirement Accounts
Almost-Qualified Plans
Nonqualified Plans

2: Basic Tax Rules for Distribution
Taxation Fundamentals
General Income Tax Rules for Retirement Plans
Income Tax on Qualified Plans and Qualified Annuities
Special Income Tax Rules for IRAs
How Penalties Can Guide Planning


3: Taxes on Early Distributions
Exceptions to the Tax
Reporting the Tax
Special Rules for IRAs

4: Avoiding the Early Distribution Tax
General Rules for Computing Payments
Computing Periodic Payments
Implementing and Reporting Your Decision
Modifying the Payments

5: When Must You Begin to Take Your Money?
Required Distributions During Your Lifetime
Death Before Required Beginning Date
Death After Required Beginning Date
Special Rules for Tax-Deferred Annuities
Special Rules for Roth IRAs
Penalty
Waiver

6: Distributions You Must Take During Your Lifetime
Required Beginning Date
Computing the Required Amount
Designating a Beneficiary
Special Rules for Annuities
Divorce or Separation

7: Distributions to Your Beneficiary If You Die Before Age 70-1/2
Determining the Designated Beneficiary
Distribution Methods
Spouse Beneficiary
Non-Spouse Beneficiary
No Designated Beneficiary
Multiple Beneficiaries, Separate Accounts
Multiple Beneficiaries, One Account
Trust Beneficiary
Estate as Beneficiary
Annuities
Divorce or Separation
Reporting Distributions


8: Distributions to Your Beneficiary If You Die After Age 70-1/2
Administrative Details
Spouse Beneficiary
Non-Spouse Beneficiary
No Designated Beneficiary
Multiple Beneficiaries, Separate Accounts
Multiple Beneficiaries, One Account
Trust Beneficiary
Estate as Beneficiary
Annuities
Divorce or Separation
Reporting Distributions

9: Roth IRAs
Taxation of Distributions
Early Distribution Tax
Ordering of Distributions
Required Distributions


Appendices
IRS Forms, Notices and Schedules
Life Expectancy Tables

Index

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