The Retirement Savings Time Bomb . . . and How to Defuse It: A Five-Step Action Plan for Protecting Your IRAs, 401(k)s, and Other Retirement Plans from Near Annihilation by the Taxman
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The premier guide for retirement and investment planning by "America's IRA Expert" (Mutual Funds magazine)-fully updated to reflect the recent tax rule changes With the possible e xception of home property, the most valuable asset for most Americans is their retirement fund. Yet most people don't know that the IRS is waiting to grab up to 90 percent of their hard-earned retirement savings. Now, in this fully updated edition of The Retirement Savings Time Bomb, renowned tax advisor Ed Slott explains in clear-cut layman's terms what people need to know to keep their money and pass it on to their families.
Author's Note viiIntroduction: Playing the "Back 9" xiTalking the Talk: A Foolproof Primer of Essential but Often Confusing Tax Terms and Definitions 1What to Do with the Biggest Check You'll Ever Get 17The Crime of the Century 19What's Your Risk IQ? 25Roll Over, Stay Put, or Withdraw? 34Five Easy Steps to Protecting Your Retirement Savings from the Taxman 81Step #1: Time It Smartly 83Step #2: Insure It 148Step #3: Stretch It 165Step #4: Roth It 205Step #5: Avoid the Death Tax Trap 240When Things Don't Go as Planned 265What to Do When S*** Happens 267Resources 315AppendicesIRS Joint Life Expectancy Tables 321IRS Tax Forms and Publications You Should Have (and Where to Get 'Em) 347Sample Beneficiary Designation Forms and "Stretch IRA" Beneficiary Information Sheet 351Acknowledgments 357About the Author 365Index 369
