1. Money

Individual Retirement Accounts (IRAs)

If you're employed, you can take advantage of an Individual Retirement Account (IRA). That much is simple. From there, it gets a bit more complicated, but we'll guide you on issues and opportunities such as tax-deferral, potential tax deductions, Roths, IRA rollovers and conversions.
  1. Previous Contribution Limits (7)
  2. Self-Employed IRAs (12)
  3. Spousal IRAs (8)

How Much Should I Save for Retirement?
How much do you need to have saved before retirement? The short answer is: as much as you can.

2012 Contribution Limits
Find the annual contribution limits for 2012 for a variety of retirement accounts.

How Much Can I Contribute to an IRA in 2012?
Find out how much you can contribute to a traditional IRA in 2012.

Roth IRA Basics
Roth IRA Basics

Roth IRA Contribution Limits 2012
Find out the Roth IRA contribution limits and income limits for 2012.

Roth IRA Contributions for 2013
Find out how much you can contribute to your Roth IRA in 2013.

IRA Contributions for 2013
Find out how much you can contribute to your IRA in 2013.

IRA Contributions for 2013
Find out how much you can contribute to your IRA in 2013.

Roth IRA Contributions for 2013
Find out how much you can contribute to your Roth IRA in 2013.

Self-Employed Retirement Plans
Have a small business that doesn't require a big 401(k) plan? Find out which small business or self-employed retirement plan is right for you.

IRA Contributions for 2013
Find out how much you can contribute to your IRA in 2013.

6 Types of Retirement Plans You Should Know
Retirement plans can be confusing, this basic overview can help you understand how each one is different.

What Is a Rollover IRA?
What do you do with your 401(k) after you leave a job? Roll it over into a special account called a Rollover IRA.

Why You Need to Review and Update Your Beneficiaries Often
What happens to your 401(k) and IRA money if you don't get to spend it? It goes to the people you named when you first signed up for the account. If you can't recall who that is, it's time to review and update your beneficiaries.

Can You Contribute to a Regular and Roth IRA?
Some individuals can maximize their IRA savings by contributing to both Regular IRA and Roth IRA plans. Find out if you qualify.

Who Should Not Convert to a Roth IRA?
Should you convert your traditional IRA to a Roth IRA? Ask yourself these questions before you decide to convert to a Roth.

Individual Retirement Accounts (IRAs) - Start Here
Learn the basics of Individual Retirement Accounts (IRAs): where and how to open an account, IRA contribution limits, income limitations, what is an IRA, who's eligible, when they're called for, and how you can profit from an IRA today.

Roth IRAs - Tax-Free Retirement Savings
Roth Individual Retirement Accounts (Roth IRAs) enable you to benefit from tax-free growth. Here are the basics, including how to open an account, contribution limits, income limitations, who Roth IRAs are best for, and how you can benefit from a Roth IRA.

Benefits of an IRA Rollover
An IRA rollover is an effective way to simplify your retirement planning while giving you more investment choices and extending your tax deferral.

What is a Rollover IRA?
When you leave your job, you have several options for your retirement plan dollars. Learn about a rollover IRA.

How Do I Rollover a 401(k) Plan?
The steps to take to move your 401k into a Rollover IRA.

Who Can Contribute to a Roth IRA?
Believe it or not, contributing to a Roth IRA typically requires your income fall between a certain minimum and maximum. Learn if you qualify to contribute to this tax-free retirement account.

Considerations for Converting to a Roth IRA
Anytime a voluntary payment of income tax is involved, you should proceed cautiously. Find out what you need to consider when contemplating a Roth conversion.

How to Open an IRA
Ready to open an IRA but not sure where to begin? Learn how to complete the few easy steps required to open and grow this important retirement account.

How to Withdraw Money From a 401(k) or IRA
At some point, you'll withdraw money from a retirement account. But when you do it and how you do it matter. Here are the rules for withdrawals in a 401(k) and IRA.

What is a spousal IRA?
Spousal IRA description

How to Make an IRA Contribution Without the Money
How to make an IRA contribution even if you are short on cash.

IRA Withdrawals
An IRA withdrawal is any distribution from your individual retirement account. It's critical to understand how your distribution will affect your financial future, both from tax and retirement planning perspectives.

Roth IRA Distributions
The use of Roth IRA distributions as an emergency fund is a noteworthy concept. Nonetheless, it is fraught with significant disadvantages including negative tax and retirement planning consequences. Learn what to consider whenever you take a Roth IRA distribution, be it before or during retirement.

Who Can Make a Tax-Deductible Contribution to a Traditional IRA?
Nearly anyone with earned income can make a contribution to a regular IRA. But only certain people qualify to deduct that contribution. Learn the considerations for IRA deduction eligibility.

Should You Convert Your Account to a Roth IRA?
A retirement with tax-free income comes with the upfront cost of paying taxes now. Converting your qualified retirement account (like a traditional IRA or old 401(k) plan) to a Roth IRA may be a great idea. But since the tax due now may be significant, make sure to learn the key considerations.

When You're Over The Limit: Non Deductible IRA Contributions
Due to certain income limits, not every worker is eligible to make a deductible contribution to a regular IRA. A subset of this group may be permitted to make a contribution to a Roth IRA. Still others will be prohibited from doing either. Enter the non-deductible regular IRA contribution. Learn the ins, outs, and implications of a non-deductible IRA contribution.

Roth IRA – Five-Year Rule for Distributions
To benefit from the tax-free growth of a Roth IRA, you must keep your assets in your account for five years after your initial contribution. Like with other fun tax rules, five years can actually go by a lot quicker. Learn how.

What is an Inherited IRA?
There are many special considerations and potential advantages to an inherited IRA. Some decisions need to be made quickly after you receive your inheritance. Make sure you understand all the implications before you start distributing money from an inherited IRA.

Roth IRAs Have No RMDs
Some retirement plans require individuals to make a minimum withdrawal each year. But if you want to keep more money in your plan and take advantage of greater tax-free growth, a Roth IRA may be the plan for you.

Health Savings Accounts: Is An HSA Another Retirement Plan?
A Health Savings Account (HSA) can be an important part of your retirement planning. Coupled with a High Deductible Health Plan (HDHP), an HSA can provide you with tax-free growth on qualified medical expenses and tax-deferred growth on the excess. Learn more about how an HSA might help you achieve your retirement goals.

What Is a Catch-Up Contribution?
If you are age 50 or older, you can stash a little bit more away each year in your retirement account. It's called a catch-up contribution. Here's how it works.

Are Retirement Plan Contribution Limits High Enough?
A discussion about the ira contribution limits

Spousal IRA Contributions 2013
How much can you contribute to your Spousal IRA in 2013?

Roth IRA Withdrawal Rules
When can you make withdrawals from your Roth IRA account? Roth IRA withdrawals are different than regular IRA withdrawals. Roth IRA withdrawals are tax-free, as along as certain conditions are met.

IRA Rollovers – How to Roll Over an IRA
An IRA Rollover is a tax-free method to move your retirement account money from either a workplace retirement account or IRA to another IRA. Here are the steps required to roll over an IRA:

Roth IRA or Regular IRA – Choosing an IRA
Wondering how to decide which retirement account to use? The selection of a Roth IRA or regular IRA is an important decision affected by several factors. A regular IRA is a tax-deferred account, meaning that your account is not subject to tax until you withdraw funds, ideally in retirement. Furthermore, a contribution to a regular IRA is tax-deductible, subject to certain income limitations.

How much can I contribute to my regular IRA?
How much can you contribute to an IRA? The answer is here.

How much can I contribute to my Roth IRA?
How much can you contribute to your Roth IRA? Learn how much, here.

What is the deadline to contribute to an IRA?
What is the deadline to contribute to an IRA? You can contribute at anytime, but there are limitations based on the calendar year.

What is the deadline to contribute to a Roth IRA?
What is the deadline to contribute to a Roth IRA? You can contribute anytime, but there are limitations based on the calendar year.

Roth Iras – Why Roth IRAs Matter More
Roth IRAs have never been more important. Consider contributing to one today!

IRA Accounts – What are IRA Accounts?
Ever wonder the difference between a regular IRA and Roth IRA? Read this article!

What Is a SIMPLE IRA?
A SIMPLE IRA is an employer-sponsored retirement plan offered to small-business employees. Find out how a SIMPLE IRA works, and how much you can contribute to the plan this year.

What Is a SIMPLE IRA?
A SIMPLE IRA is an employer-sponsored retirement plan offered to small-business employees. Find out how a SIMPLE IRA works, and how much you can contribute to the plan this year.

Traditional Iras – Back to the Basics with Traditional IRAs
Traditional IRAs are not called traditional for nothing. Let's go back to the basics.

Different IRAs, Different Taxes
To make an informed decision of whether to use a Roth IRA or a regular IRA for your retirement planning, you'll need to understand how they are each treated by the IRS.

What Is a SIMPLE IRA?
A SIMPLE IRA is an employer-sponsored retirement plan offered to small-business employees. Find out how a SIMPLE IRA works, and how much you can contribute to the plan this year.

What Is a SEP IRA?
Get to know the SEP IRA, a great retirement savings vehicle for small-business owners and self-employed people.

What Is a MyRA?
What Is a myRA?

What Is a SEP IRA?
Get to know the SEP IRA, a great retirement savings vehicle for small-business owners and self-employed people.

What To Do With an Inherited IRA or 401(k)
Inherited an IRA or 401(k)? .

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