Archive for the ‘Roth IRA’ Category

What Are the Main Advantages of Converting to a Self-Directed Roth IRA?

May 17th, 2017

The main advantage of a Roth IRA over a Traditional IRA is that if you qualify to make contributions, all distributions from the IRA are tax-free. Furthermore, unlike traditional IRAs, you may contribute to a Roth IRA for as long as you continue to have earned income (for a traditional IRA – you can’t make […]

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Retirement And Educational Savings Tax Planning Tips To Lower Taxes In 2017

April 24th, 2017

Now that the tax filing deadline has passed for the 2016 tax year, this is a perfect time to start thinking about some simple ways to boost retirement savings and at the same time lower overall tax liability for 2017. Start Thinking IRA: For 2017, the maximum IRA contribution is $5,500, or $6,500 if you […]

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New Ruling Expected to Increase Popularity of DISC Roth IRA Tax Strategy

March 6th, 2017

Appeals Court in Summa Holdings affirmed use of having commissions from domestic international sales corporation go to a Roth IRA IRA Financial Group, the leading provider of self-directed IRA retirement solutions, believes that the Sixth Circuit Appeals Court decision which held that using a DISC and Roth IRA strategy for their congressional-sanctioned purposes—tax avoidance was […]

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Court Affirms Legality Of Roth IRA DISC Strategy

March 2nd, 2017

Here’s another article from written by Adam Bergman – On February 16, 2017, the United States Appeals Court for the Sixth Circuit in Summa Holdings, Inc. v. Commissioner of Internal Revenue held that using DISC and Roth IRA strategy for their Congressional-sanctioned purpose, tax avoidance, was permissible.  The Appeals Court reversed a previous Tax […]

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Understanding Your Options When Inheriting An IRA From A Non-Spouse

January 27th, 2017

Here’s another article from Adam Bergman that originally appeared on – Unfortunately, the Internal Revenue Service (“IRS”) does not allow you to keep retirement funds in your account indefinitely. The required minimum distribution rules (“RMD”) were created in order to guarantee the flow of IRA funds into the federal income tax system as well […]

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Some Simple Year-End Retirement Planning Opportunities That Can Sweeten Your Retirement

December 21st, 2016

With the end of the year approaching, there is still time left to consider retirement planning opportunities.  Below are some simple, but potentially financially rewarding, retirement planning ideas to think about: IRA Contributions: For 2016, the maximum IRA contribution is $5500 or $6500 if over the age of fifty and will remain the same for […]

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How Do You Convert Your Current Retirement Plan to a Self-Directed Roth IRA

December 19th, 2016

IRA Rollovers to the Self-Directed Roth IRA Conversion In general, Roth IRA conversions and retirement plan rollovers to a Roth IRA are taxable events. The reason for this is a Roth IRA is an after-tax account that allows for tax-free distributions if certain rules are satisfied. A conversion is a taxable movement of cash or […]

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You May Want to Wait on that Roth IRA Conversion

December 1st, 2016

This article originally appeared on – Nearly every December, one of the more common questions directed at tax professionals is whether one should convert their pre-tax IRA or 401(k) qualified retirement plan to a Roth IRA or Roth 401(k) plan.  There is generally no wrong or right answer, but much of the analysis tends […]

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