The Truth About Protecting Your IRAs and 401(k)s

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9780132333849: The Truth About Protecting Your IRAs and 401(k)s

All you need to know about every IRA, every 401(k)…even HSAs, and more!

 

·   The truth about getting the most benefits at the lowest cost

·   The truth about avoiding the pitfalls that can kill your retirement

·   The truth about choosing the best strategies for you--and your kids

 

The Truth About Protecting Your IRAs and 401(k)s arms you with the up-to-the-minute knowledge you need to build your retirement income, as you reduce your costs, taxes, and risks! Consumer finance expert and nationally syndicated radio host Steve Weisman offers 48 quick, bite-size, just-the-facts information about every type of tax-advantaged retirement investments: self-directed, stretch, SIMPLE, SEP, Roth, and spousal IRAs, 401(k)s, and more. You'll find up-to-the-minute guidance on avoiding pitfalls that can cost you a fortune…choosing the right retirement strategies for both you and your heirs…planning retirement investments when you’re a married or unmarried couple…widening your 401(k) investment options…and much more. Like every book in The Truth About Series, this book distills all the essential knowledge you need on a topic...presents it clearly, simply, and quickly, with an “a-ha!” on every page...and shows exactly how to put it to work in your daily life. Easy to read, easy to use, it’s all you need to gain retirement security--and protect it for the rest of your life!

 

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About the Author:

Steve Weisman is Senior Lecturer at Bentley College in the department of Law, Tax, and Financial Planning. He has also taught courses on financial planning at the University of Massachusetts, Curry College, and Boston University. He is a host on the nationally syndicated radio show A Touch of Grey, heard on more than 50 stations, including NYC’s legendary WABC and KRLA Los Angeles. A member of the National Association of Elder Law Attorneys, Steve is legal editor and a columnist for Talkers Magazine and writes for publications ranging from The Boston Globe to US Air. His books include Boomer or Bust, The Truth About Avoiding Scams, and The Truth About Buying Annuities. Weisman has earned a Certificate of Merit for legal journalism from the American Bar Association.

Excerpt. Reprinted by permission. All rights reserved.:

Introduction

“I’m here from the government, and I am here to help you.” For some people that phrase instills confidence that the government of the people, for the people, and by the people has come to the rescue of its citizenry and will be providing assistance in some important matter. For other people that phrase instills a fear that when the government gets involved, things tend to get overly complicated and complex. When it comes to retirement planning, both mindsets are right.

Although sometimes it may seem like the purpose of tax laws is to merely take as much of our hard earned money as possible, tax laws are also written to encourage certain activities and discourage others. The tax deduction for mortgage interest is an example of Congress’ attempt to encourage and facilitate home ownership. And so it is with retirement planning.

In an effort to encourage us to save for our own retirement rather than be dependent upon the government and programs like Social Security, Congress has passed laws providing opportunities for us to save for our own retirement while also reducing our income tax burden—a definite win-win situation for us. Perhaps the most popular and most effective ways of saving for your retirement are through IRAs and 401(k)s. More than 3 trillion dollars are invested in IRAs while 401(k)s hold investments worth another 3 trillion dollars.

When it comes to planning for your retirement, IRAs and 401(k)s offer tremendous opportunities, but also pitfalls and traps for the unwary. As with any government-created program, there is a veritable avalanche of rules that can be viewed by pessimists as being stifling complications filled with financial danger. To the optimist, however, these rules provide opportunities for you to adopt IRA and 401(k) strategies specifically tailored to yours and your family’s needs—not just for now, but for the next generation.

That is where this book comes in. This book may not turn you into an optimist if that is not your predisposition, but it will provide you with the truth about all the ins and outs, the regulations, and the loopholes involved with IRAs and 401(k)s. It will help you identify both the pitfalls and the opportunities. It will help you help yourself toward a secure retirement.

“The question isn’t at what age I want to retire, it’s at what income.” George Foreman

Praise Quote

“Steve Weisman has provided yet another immensely readable book and the single most important resource for all Americans who have an IRA or 401(k).”

ROBERT POWELL, Editor of Retirement Weekly, MarketWatch


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