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Melissa Phipps

Updated Articles and Resources

By Melissa Phipps

    Updated Articles and Resources
    • Roth IRA Distributions - Use A Roth IRA Distribution as an Emergency Fund? Created: Wednesday, January 28, 2009 Updated: Tuesday, April 22, 2014
      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...
    • Life Expectancy and Required Minimum Distributions Created: Wednesday, January 28, 2009 Updated: Thursday, April 17, 2014
      Shortly after your 70th birthday, you will be forced to begin taking required minimum distributions (RMD). As such, you will need to begin withdrawing money from your 401K and regular IRA. Learn ho...
    • What Is a Rollover IRA? Created: Thursday, May 17, 2012 Updated: Wednesday, April 16, 2014
      What do you do with your 401(k) after you leave a job? Roll it over into a special account called a Rollover IRA as you plan your retirement.
    • 401K Withdrawals Created: Wednesday, January 28, 2009 Updated: Tuesday, April 15, 2014
      Every 401K withdrawal affects your taxes and your future retirement planning. Make sure to consider these implications and others concerns whenever contemplating a 401K distribution from your 401K....
    • Can I Get Spousal Social Security Benefits? Created: Saturday, June 30, 2012 Updated: Tuesday, April 15, 2014
      With spousal Social Security you can get retirement benefits through your spouse. Here's how it works.
    • 401(k) Loans - Nine Things to Know About Borrowing from Your 401(k) Created: Friday, December 26, 2008 Updated: Tuesday, April 15, 2014
      401(k) loans are available with no credit checks. Are they a good idea? Learn the advantages, disadvantages and limits of borrowing from your 401(k) plan." itemprop="descrTP='t3'" --> itemprop="de...
    • Can you roll over your SIMPLE IRA into a 401(k) plan? Created: Monday, February 21, 2011 Updated: Tuesday, April 15, 2014
      If you participated in the SIMPLE IRA for at least two years, you may roll over the plan into another qualified plan, such as a 401(k) or IRA.
    • Your 401K Match - Maximize Your 401K Match Created: Friday, November 21, 2008 Updated: Monday, April 14, 2014
      Taking advantage of an employer's 401K match is a critical piece of proper retirement planning. This company match provides you with the opportunity to receive free money into your retirement plan...
    • 401(k) Contributions for 2013 Created: Saturday, October 20, 2012 Updated: Monday, April 14, 2014
      Find out how much you can contribute to your 401(k) in 2013." itemprop="description">
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    • Contributing to a 401(k) and a Roth IRA -You Can Do It! Created: Friday, July 17, 2009 Updated: Thursday, April 10, 2014
      "Can I Contribute to a 401(k) and a Roth IRA?" is a common question. The answer is almost always yes. Learn the details." itemprop="description">>
    • 10 Questions to Ask About 401(k) Fees Created: Sunday, March 30, 2014 Updated: Friday, April 04, 2014
      Having a hard time making sense of your 401(k) and what it costs? Here are 10 questions to ask your 401(k) plan administrator.
    • What Is the Tax Saver's Credit? Created: Monday, December 31, 2012 Updated: Thursday, April 03, 2014
      Learn about the Tax Saver's Credit and how it might reduce your tax bill.
    • 5 Pre-Retirement Hurdles to Overcome Created: Monday, March 31, 2014 Updated: Tuesday, April 01, 2014
      Pre-retirees can prepare for and overcome the obstacles that put their savings at risk in the years before retirement. Here are some common pre-retirement hurdles and how to deal with them.
    • Retirement Plan Fees Created: Sunday, March 30, 2014 Updated: Monday, March 31, 2014
      Understanding the fees you pay in your retirement plan can help you become a better investment consumer. And who doesn't love the thrill of finding a good bargain?
    • Vesting Created: Wednesday, February 27, 2013 Updated: Monday, March 31, 2014
      Understand vesting and vesting schedules for employer-sponsored retirement plans.
    • Life Annuity Payment Option Created: Monday, May 09, 2011 Updated: Monday, March 31, 2014
      Definition of life annuity payment option
    • Home Equity Created: Monday, February 28, 2011 Updated: Monday, March 31, 2014
      Definition of Home Equity. Retirement Planning.
    • 401(k) Plan Created: Saturday, May 03, 2008 Updated: Monday, March 31, 2014
      Definition of 401(k) retirement plan
    • 2014 SIMPLE IRA Contribution Limits Created: Saturday, November 09, 2013 Updated: Monday, March 31, 2014
      How much can you contribute to a SIMPLE IRA in 2014?" itemprop="description">
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    • Retired, With Children Created: Wednesday, June 26, 2013 Updated: Monday, March 31, 2014
      An adult child moving home is not necessarily a retirement killer. But you must establish clear guidelines so that your retirement savings and retirement plan remain in tact."
    • How to Build a Laddered Portfolio Created: Friday, November 30, 2012 Updated: Monday, March 31, 2014
      A laddered portfolio can be created with bonds, CDs or other fixed-income investments. But how does a bond ladder work, and is it right for you?" itemprop="description" itemprop="description"<...
    • Best Places to Retire Abroad Created: Thursday, February 20, 2014 Updated: Monday, March 31, 2014
      Ever thought about retiring outside your own country? Here's a list of the 10 best places in the world to retire (outside of the U.S.).
    • Essential Retirement Documents Created: Tuesday, December 31, 2013 Updated: Monday, March 31, 2014
      The essential documents to have ready before you retire.
    • How to Be a Better Retirement Investor Created: Monday, December 24, 2012 Updated: Monday, March 31, 2014
      Investing is not instinctual and most of us don't know what we're doing. But with a little bit of understanding and discipline, you can make the most of your retirement investments. Here's how to b...
    • Year-End Retirement Planning Created: Thursday, December 20, 2012 Updated: Monday, March 31, 2014
      Give yourself a gift that keeps giving in the New Year and for years to come with these end-of-year retirement tips.
    • Top 5 Retirement Planning Essentials Created: Friday, September 21, 2012 Updated: Monday, March 31, 2014
      If you haven't started building your nest egg, or even if you have, get to know the five most important things to know about saving for retirement.
    • A Totally Gen-X Retirement Created: Monday, June 17, 2013 Updated: Monday, March 31, 2014
      Generation X, those born between the early 1960s to around 1980, is the group that retires after the baby boomers. Now more than ever, it's important for Gen-Xers to plan and save for retirement.
    • How Much Should I Save for Retirement? Created: Thursday, May 17, 2012 Updated: Monday, March 31, 2014
      How much do you need to have saved before retirement? The short answer is: as much as you can.
    • What Is a 403(b) Plan? Created: Sunday, July 22, 2012 Updated: Monday, March 31, 2014
      A 403(b) plan is a retirement plan for nonprofit workers. Find out exactly how 403(b) plans work and how much you can contribute to your 403(b) in 2012." itemprop="descript't3'" --> itemprop="descr...
    • How Much Can I Contribute to an 401(k) in 2012? Created: Friday, June 08, 2012 Updated: Monday, March 31, 2014
      Find out how much you can put into your 401(k), Roth 401(k) or SIMPLE IRA in 2012." itemprop="description"> Monday, July 25, 2011 Updated: Monday, March 31, 2014
      Traditional IRAs are not called traditional for nothing. Let's go back to the basics." itemprop="description"> Monday, April 25, 2011 Updated: Monday, March 31, 2014
      You may not realize that some of your medical expenses are tax deductible. Save those receipts!" itemprop="description">