Explore the HSA by Rolling Over Your Retirement Savings

    July 22, 2016 3:18 PM by Brian Dobbis

    Have you taken full advantage of health savings accounts (HSAs)? The tax savings can help defray the cost of living and getting sick.

    THE ROAD TO RETIREMENT with BRIAN DOBBIS 

    Now that it’s political convention season, imagine for a moment a crowd chanting, “HSA…HSA…HSA!” Far-fetched as that might sound, health savings accounts (HSAs) have gained widespread support since they were created in 2003 as part of the Medicare Modernization Act.

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    Fixing Health Care

    July 19, 2016 3:33 PM by Lord Abbett Editorial Staff

    Can "bundled payments" drive better care and lower costs? Lord Abbett research analysts discuss the investment implications. 

    While the current political environment may be as polarized as ever, it is much easier to find consensus on America’s healthcare system: it’s a mess.

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    Why Roth IRAs Appeal to Millennials

    July 15, 2016 5:15 PM by Brian Dobbis

    Millennials—the generation born between 1980 and 2000—are warming to the retirement saving advantages of Roth IRAs. 

    THE ROAD TO RETIREMENT with BRIAN DOBBIS 

    As a group, millennials outnumber baby boomers. In fact, within 10 years, millennials are projected to account for three-quarters of the U.S. workforce, according to Javelin Research and Strategy. Their incomes are climbing (and, on an aggregate basis, are about to pass boomers; see Chart 1), and they are beginning to save more. All of which has created new opportunities for financial advisors, particularly when it comes to Roth IRAs.

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    Roth IRA or Roth 401(k)—What’s the Difference?

    July 7, 2016 5:30 PM by Brian Dobbis

    Plenty. While both investment vehicles are devoted to saving for retirement, rules on eligibility, contributions, and distributions vary.

    THE ROAD TO RETIREMENT with BRIAN DOBBIS 

    The more I travel, the more I get asked about the so-called “greats of Roth.”

    While Roth 401(k)s are similar to Roth IRAs in many ways, there also are a number of key differences between the two types of accounts.

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    What “Brexit” Means for Growth Stocks

    June 29, 2016 3:05 PM by Brian Foerster

    The United Kingdom’s decision to leave the European Union may be a game changer, but top-performing companies in select industries should continue to generate growth.

    As investors scrambled for insights into long-term implications of last week’s “Brexit” vote, Lord Abbett’s small-cap growth investing team took the following view:  

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    How NUA Can Help Save Money in Retirement

    June 27, 2016 12:08 PM by Brian Dobbis

    NUA, or net unrealized appreciation, allows for favorable tax treatment of withdrawals of an employer’s stock—but understanding the rules is essential.

    THE ROAD TO RETIREMENT with BRIAN DOBBIS 

    Of all various ways to lower one’s taxes in retirement, net unrealized appreciation (NUA) is often misunderstood or overlooked altogether.  The rules may be complicated, or even short-lived (President Obama’s 2017 budget proposal would eliminate the NUA tax break).  But any plan participant who owns company stock and is separating from service or retiring should be aware of NUA before rolling his/her retirement account into an IRA or a new employer’s plan. 

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    Brexit Vote: The Market Impact

    June 24, 2016 10:04 AM by Lord Abbett Editorial Staff

    Great Britain’s decision to leave the European Union sparked volatility in global markets on June 24.

    With last night’s public referendum votes tallied, Great Britain became the first country in the European Union’s (EU) 60-year history to leave the EU bloc of nations—a momentous decision with enormous consequences for financial markets, the economy, politics, and business.  It seems appropriate that the U.K. media are calling it “Independence Day,” considering the fireworks taking place.

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    Tips on IRA Rollovers

    June 17, 2016 4:30 PM by Brian Dobbis

    Confused about treatment of both pretax and aftertax dollars in a qualified plan? Here’s some updated guidance from the IRS.

    THE ROAD TO RETIREMENT with BRIAN DOBBIS

    In case you missed it (many investors have), the IRS offers much-needed guidance on the allocation of aftertax dollars to IRA rollovers. While the administrative language might seem unclear at first, it at least provides a roadmap for splitting a 401(k) distribution that consists of both pretax and aftertax dollars.  

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    How to Avoid IRA Rollover Headaches

    June 9, 2016 2:45 PM by Brian Dobbis

    Keeping abreast of the “60-day” rule and various nuances can protect your nest egg. 

    THE ROAD TO RETIREMENT with BRIAN DOBBIS 

    After a day of presentations, I recently received a spate of questions regarding the tricky “60-day rule” on IRA rollovers and its many nuances. So let’s revisit the latest regulations, effective January 1, 2015, which are a game-changer.

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    How to Hedge against RMDs

    June 2, 2016 3:30 PM by Brian Dobbis

    Worried about outliving your IRA savings? Some retirees are purchasing qualified longevity annuity contracts (QLACs) within their IRAs to defer a portion of their RMDs up to age 85.

    THE ROAD TO RETIREMENT with BRIAN DOBBIS

    According to the Stanford Center on Longevity, three out of four Americans indicate that they want to live to 100 if they can do so in good health. Whether they will have enough money to support themselves in retirement, however, is another matter. Some studies suggest that many will struggle, given insufficient savings, pensions, and Social Security. Further complicating matters, IRA owners, once they turn 70½, generally have to take required minimum distributions (RMDs), which are taxable.

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