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Why Capturing Direct Rollovers is Essential in Today's Retirement Market

John Paul Ruiz, QKA, CISP

Estimated reading time: 3 minutes

With 6 million Americans still unemployed and over 78 million approaching retirement age, there are opportunities to capture rollovers from employer-sponsored plans. According to the Investment Company Institute, out of the 27.9 trillion dollars in retirement plans, comparatively there are 8.9 trillion dollars in Individual Retirement Arrangements (IRAs) and 7.7 trillion dollars in defined contribution plans (see graphic below). The increases of assets in IRAs are fueled by direct rollovers from employer-sponsored plans. To capture a share of the rollover market it is good to know the triggers or distributable events that allow for direct rollovers to occur. 

Topics: Financial
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How to Leave A Legacy With Your Retirement Plan

John Paul Ruiz, QKA, CISP

Estimated reading time: 4 minutes

Many people wonder if they have enough in their retirement savings plans to sustain themselves during retirement. On the other hand, some people have more than enough. Beneficiaries of these retirement plan accounts need to be aware of their options and election deadlines to avoid penalties and unintended tax consequences.

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There's More to the Roth IRA Than Meets the Eye

John Paul Ruiz, QKA, CISP

Estimated reading time: 4 minutes

Before making an IRA contribution the major question many individuals have during tax time is which type of IRA should I contribute to, and which one is better for me?  The answer is, only the tax payer can know that.  Although there are tax benefits associated with a Traditional IRA, such as the potential tax deduction of contributions and tax-deferred growth of the earnings, the benefits of a Roth IRA go beyond just the tax-free distribution of earnings when deciding which IRA is best.

Topics: Plan Resources
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6 Last-Minute Moves to Help you Save Before Tax Day

The Entrust Group

Estimated reading time: 2 minutes

Self-directed IRAs can provide you with significant tax advantages as well as allow you access to a wide range of alternative investments. Once you establish a self-directed IRA, you can begin making contributions for the previous tax year- up until the federal tax deadline of the current year. You still have time to make decisions that can improve your tax situation. This year's tax deadline date is near (April 17th, 2018). 

Topics: Financial
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You Asked, We Answered: Transfers vs. Rollovers - Which One is Right for You?

The Entrust Group

Estimated reading time: 3 minutes

For March's national webinar we discussed the differences between transfers and rollovers to educate our viewers about the different types of funding methods. Participants who joined our free webinar had the opportunity to ask John Paul Ruiz, our Director of Professional Development, questions regarding their 401(k) funds, options to fund a self-directed IRA, contributions, and more. Continue reading to see what types of questions were answered...

Topics: Plan Resources
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