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

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

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This book will provide you with the truth about the ins and outs and the loopholes involved with IRAs and 401(k)s.

  • 50 bite-size, fast-paced insights and realistic solutions for choosing the right IRAs and/or 401ks - and getting the greatest benefits at the lowest cost!
  • Practical guidance on self-directed, stretch, SIMPLE, SEP, and spousal IRAs, 401ks, HSAs, and more.
  • Distills all you need to know about IRAs and 401ks into practical advice -- and specific steps you can act on!


  • Copyright 2009
  • Edition: 1st
  • Premium Website
  • ISBN-10: 0-13-233384-8
  • ISBN-13: 978-0-13-233384-9

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.

Sample Content

Online Sample Chapters

The Tax Advantages of an IRA

The Truth About Protecting Your IRAs and 401(k)s: Let's Get it Started (IRA Style)

The Truth About Protecting Your IRAs and 401(k)s: The Magic Numbers 59 1/2 and 70 1/2

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Table of Contents

Introduction  vii

Truth 1          IRA  1

Truth 2          Let’s get it started (IRA style)  5

Truth 3          59 1/2 and 70 1/2  9

Truth 4          Earned income  13

Truth 5          IRA deductions  17

Truth 6          Distributions from IRAs  21

Truth 7          Minimum required distributions  25

Truth 8          Withdrawal pains  29

Truth 9          Spousal IRA  33

Truth 10        Trusts as IRA beneficiaries  37

Truth 11        Beneficiary designations  41

Truth 12        Customizing beneficiary designation forms  45

Truth 13        Self-directed IRAs  49

Truth 14        Stretch IRA  53

Truth 15        Disclaimers  57

Truth 16        Inheriting an IRA  61

Truth 17        Maximizing IRA benefits for a surviving spouse  65

Truth 18        Roth IRA for children  69

Truth 19        IRA conversions  73

Truth 20        SIMPLE IRA  77

Truth 21        SEP IRA  81

Truth 22        IRA effects on taxation of Social Security benefits  85

Truth 23        Excess contributions to a Roth IRA  89

Truth 24        401(k)  93

Truth 25        401(k) Fees  97

Truth 26        IRA and 401(k) investments 101  101

Truth 27        What to do if you don’t like your 401(k) choices  105

Truth 28        Vesting rules for 401(k)s  109

Truth 29        Borrowing from your 401(k)  113

Truth 30        Company stock in 401(k)s  117

Truth 31        IRAs, 401(k)s, and creditors  121

Truth 32        Automatic 401(k) enrollment  127

Truth 33        Roth 401(k)s  131

Truth 34        Traditional IRA, Roth IRA, 401(k), or Roth 401(k)  135

Truth 35        401(k) choices when you leave your job  139

Truth 36        401(k) transfers  143

Truth 37        Individual 401(k)  147

Truth 38        SIMPLE 401(k)  151

Truth 39        Increasing tax brackets  155

Truth 40        Suing plan administrators  159

Truth 41        Retirement savings contribution credit  163

Truth 42        Divorce and your IRA or 401(k)  167

Truth 43        Health savings accounts  171

Truth 44        Unmarried and same-sex couples  175

Truth 45        Steve’s rules, part 1  179

Truth 46        Steve’s rules, part 2  183

Truth 47        Definitions  187

Truth 48        IRS Publication 590: Worksheets and Tables  193

About the Author  195


Appendix A: Summary Record of Traditional IRA(s) for 2007

Appendix B: Worksheets for Social Security Recipients Who Contribute to a Traditional IRA

Appendix C: Life Expectancy Tables

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