Archive for 'September 2016'

    Oktoberfest for IRA Planning? Important Deadlines Ahead

    September 30, 2016 12:08 PM by Brian Dobbis

    Mark your calendars to maximize retirement savings opportunities.  

    THE ROAD TO RETIREMENT with BRIAN DOBBIS

    With October almost here, it’s hard not to view it as the true heart of autumn: crisp days, cool nights, brilliant sunshine, fiery foliage, festive football, and haunted Halloween. But there also are a number of important IRA deadlines that occur throughout the month.

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    Unwinding Excess IRA Contributions

    September 23, 2016 11:40 AM by Brian Dobbis

    Reversing overflows can be complex, but in a pinch, mind these steps before the October 15th deadline.

    THE ROAD TO RETIREMENT with BRIAN DOBBIS 

    This week, I received a number of inquiries from advisors whose clients had overfunded their 2015 IRA contributions—a common error, especially with Roth IRAs.  

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    Reassuring Words from the Fed and the Bank of Japan

    September 21, 2016 4:45 PM by Zane Brown

    After the European Central Bank spooked investors earlier in the month, policymakers in the United States and Japan emphasized “lower for longer” rate expectations on September 21. 

    After the European Central Bank (ECB) disappointed investors two weeks ago by deciding not to step up its bond-buying program, subsequently spurring a rise in yields across the globe, the Bank of Japan (BoJ) and the U.S. Federal Reserve (Fed) offered more market-friendly policy statements on September 21. 

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    SIMPLE IRA Rules of the Road

    September 15, 2016 12:58 PM by Brian Dobbis

    While SIMPLE IRAs have come a long way in 20 years, the rules may sound complex at times. Here’s a refresher on salient guidelines. 

    THE ROAD TO RETIREMENT with BRIAN DOBBIS

    Are you ready for some SIMPLE advice? I’m talking about the acronym for the Savings Incentive Match Plan for Employees (SIMPLE), which turns 20 this year. And I keep getting questions on the road that make SIMPLE IRA plans sound more complex than they really are.

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    State-Run Retirement Plans: Now in Three Flavors

    September 8, 2016 4:30 PM by Brian Dobbis

    The Department of Labor recently clarified when a state-run plan would not be covered by ERISA. Whether they catch on and can compete with far more popular offerings remains to be seen.

    THE ROAD TO RETIREMENT with BRIAN DOBBIS 

    Over the past few years, a number of state legislatures have moved to create a state-based retirement plan offering to those private-sector workers whose employer does not offer a retirement plan. The states have taken things into their own hands primarily because the number of workers without access to a retirement plan continues to increase and also owing to more than a decade of inaction by Congress to create a federal auto-enrollment IRA program.

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