{"id":7265,"date":"2016-04-11T10:33:12","date_gmt":"2016-04-11T17:33:12","guid":{"rendered":"http:\/\/blog.paladinregistry.com\/?p=7265"},"modified":"2016-04-11T10:33:12","modified_gmt":"2016-04-11T17:33:12","slug":"why-rollover-your-retirement-assets-into-an-ira","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/retirement\/why-rollover-your-retirement-assets-into-an-ira\/","title":{"rendered":"Why Rollover Your Retirement Assets into an IRA?"},"content":{"rendered":"<p>A <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/www.napa-net.org\/news\/technical-competence\/ira-rollovers-ramping-up\" target=\"_blank\" rel=\"nofollow\">2014 study from Cogent Reports<\/a><\/span><\/strong> concluded that over 50% of affluent investors with a balance in a former employer-sponsored retirement plan expect to roll their money into an IRA within the next 12 months.\u00a0 This report continues by saying that an estimated $382 billion will be rolled over in 2015.\u00a0 On average, households with IRA rollovers have $260,000 in financial assets and the average value of those IRAs is <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.ici.org\/pdf\/per21-01.pdf\" target=\"_blank\" rel=\"nofollow\">$87,500<\/a><\/span><\/strong>.<\/p>\n<p>An IRA (<strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.irs.gov\/Retirement-Plans\/Individual-Retirement-Arrangements-(IRAs)-1\" target=\"_blank\" rel=\"nofollow\">Individual Retirement Arrangement<\/a><\/span><\/strong>) rollover involves moving assets from one retirement account (i.e. <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.irs.gov\/Retirement-Plans\/401k-Plans\" target=\"_blank\" rel=\"nofollow\">401(k),<\/a><\/span> <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.irs.gov\/publications\/p571\/ch01.html\" target=\"_blank\" rel=\"nofollow\">403(b)<\/a><\/span><\/strong>, <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.irs.gov\/Retirement-Plans\/IRC-457b-Deferred-Compensation-Plans\" target=\"_blank\" rel=\"nofollow\">Governmental 457(b),<\/a><\/span> <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.irs.gov\/Retirement-Plans\/Choosing-a-Retirement-Plan-Profit-Sharing-Plan\" target=\"_blank\" rel=\"nofollow\">profit-sharing plan<\/a><\/span><\/strong>) to an IRA. When you roll over a retirement plan you do not have to pay taxes until you make distributions.\u00a0 Generally, IRA rollovers are performed once an individual separates from service from their current employer.\u00a0 Retirement is typically the trigging event for an IRA rollover. However, IRA rollovers can be performed if an individual has left their former employer and is seeking new employment.<\/p>\n<p>Keep in mind; there is an additional way to rollover your retirement plan assets into an IRA by way of an \u201c<strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/www.investopedia.com\/terms\/i\/inservicewithdrawal.asp\" target=\"_blank\" rel=\"nofollow\">in-service withdrawal<\/a><\/span><\/strong>\u201d.\u00a0 Typically, retirement plans allow for in-service withdrawals to be made after the age of 59 \u00bd and before a triggering event like retirement to avoid the early withdrawal penalty of 10%.<\/p>\n<p>Beginning in 2015, the IRS implemented the <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.irs.gov\/Retirement-Plans\/IRA-One-Rollover-Per-Year-Rule\" target=\"_blank\" rel=\"nofollow\">IRA one-rollover-per-year rule<\/a><\/span><\/strong>.\u00a0 This rule states that an individual is limited to one IRA rollover per year, regardless of the number of IRA accounts.\u00a0 However, this rule does not apply to the following:<\/p>\n<ul>\n<li>Trustee-to-trustee transfers between IRAs are not limited<\/li>\n<li>Rollovers from traditional to Roth IRAs (&#8220;conversions&#8221;) are not limited<\/li>\n<\/ul>\n<p>An IRA is a great retirement planning vehicle where your <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.irs.gov\/Retirement-Plans\/COLA-Increases-for-Dollar-Limitations-on-Benefits-and-Contributions\" target=\"_blank\" rel=\"nofollow\">contributions<\/a><\/span><\/strong> may be <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.irs.gov\/Retirement-Plans\/Plan-Participant,-Employee\/Retirement-Topics-IRA-Contribution-Limits\" target=\"_blank\" rel=\"nofollow\">tax deductible<\/a><\/span><\/strong> and grow tax-deferred to provide you with financial security.\u00a0 The IRA contribution limit does not apply to <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.irs.gov\/Retirement-Plans\/Plan-Participant,-Employee\/Rollovers-of-Retirement-Plan-and-IRA-Distributions\" target=\"_blank\" rel=\"nofollow\">rollover<\/a><\/span><\/strong> contributions.\u00a0 An individual has to have earned income to contribute to an IRA and amounts from an IRA are not taxed until <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.irs.gov\/Retirement-Plans\/Plan-Participant,-Employee\/When-Can-a-Retirement-Plan-Distribute-Benefits\" target=\"_blank\" rel=\"nofollow\">distributed<\/a><\/span><\/strong>.\u00a0 You cannot make regular contributions to a traditional IRA in the year you reach 70 \u00bd and older.\u00a0 Because when you turn 70 \u00bd you are subject to <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.irs.gov\/Retirement-Plans\/Plan-Participant,-Employee\/Retirement-Topics-Required-Minimum-Distributions-(RMDs)\" target=\"_blank\" rel=\"nofollow\">Required Minimum Distributions<\/a><\/span><\/strong> (RMDs).\u00a0 In other words, you cannot defer the taxes on your IRA forever.\u00a0 You have a silent built-in partner within your IRA and that partner is the IRS.\u00a0 Therefore, you have to start taking withdrawals from your IRA, Simple IRA, Sep IRA or retirement plans when you reach the age of 70 \u00bd.\u00a0 If you do not take your RMDs by the required deadline, the amount not withdrawn is taxed at 50%.\u00a0 You are free to withdraw more than the minimum required amount and the formula to calculate the RMD is confusing but it is based on the <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.irs.gov\/Retirement-Plans\/Plan-Participant,-Employee\/Required-Minimum-Distribution-Worksheets\" target=\"_blank\" rel=\"nofollow\">IRS life expectancy tables<\/a><\/span><\/strong>.<\/p>\n<p>Once you roll over your retirement plan into an IRA you have more flexibility from a tax standpoint to take distributions.\u00a0 Withdrawals from an IRA before reaching the age of 59 \u00bd are called \u201cpremature\u201d distributions.\u00a0 Individuals are subject to an additional 10% early withdrawal tax (unless an <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.irs.gov\/taxtopics\/tc557.html\" target=\"_blank\" rel=\"nofollow\">exception<\/a><\/span><\/strong> applies) plus their personal tax rate.\u00a0 For example, an exception applies for distributions to cover <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.irs.gov\/Retirement-Plans\/Plan-Participant,-Employee\/Retirement-Topics-Tax-on-Early-Distributions\" target=\"_blank\" rel=\"nofollow\">qualified higher education expenses<\/a><\/span><\/strong>.\u00a0<strong>\u00a0<\/strong><\/p>\n<p><strong>Why Rollover your Retirement Assets into an IRA?<\/strong><\/p>\n<p>The main reason investor\u2019s rollover their retirement asset into an IRA is:<\/p>\n<ul>\n<li>The fees with an IRA are generally lower than an 401k<\/li>\n<li>IRAs have more Investing options<\/li>\n<\/ul>\n<p><strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/www.dol.gov\/ebsa\/publications\/401k_employee.html\" target=\"_blank\" rel=\"nofollow\">Fees within a 401k<\/a><\/span><\/strong> typically fall within 3 categories \u2013 plan administration fees, investment fees and individual service fees.\u00a0 Remember that all services have a fee and the more financial services provided the higher the fee.\u00a0 The total fee needs to be considered in making an investment decision but it should not be the driving factor.\u00a0 Cheaper is not necessarily better.\u00a0 If price was the only factor to consider, everyone would be driving a Nissan.<\/p>\n<p>Rolling over your retirement assets into an IRA provides more investment choices.\u00a0 This is extremely important because my clients are allowed to participate in <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/horterinvestment.com\/designed-money-management-system\/\" target=\"_blank\" rel=\"nofollow\">tactical portfolio management<\/a><\/span><\/strong>.\u00a0 In my previous article, <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/blog.paladinregistry.com\/investing-2\/why-no-one-talks-about-the-stock-market-the-right-way\/\" target=\"_blank\">There is a Better Way! \u2013 Why No One Talks About the Stock Market the Right Way<\/a><\/span><\/strong> explains in detail the benefits of this type of investment management. With 2016 being the worst start to the stock market ever there is a solution through tactical portfolio management to protect your investment portfolio principal from life changing losses and grow it at the same time.<\/p>\n<p>To learn more about <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/www.cfp.net\/utility\/find-a-cfp-professional\/Details\/?key=403a1c22-632a-461c-866f-3cbb817c65a6&amp;SimpleSearch=True&amp;CityStateZip=Temecula%2C%20CA&amp;City=Temecula&amp;State=CA&amp;Zip=&amp;Radius=5&amp;HpPlus=%3D%3Dcfp.net%3D%3D&amp;Page=1&amp;Session=95048\" target=\"_blank\" rel=\"nofollow\">Blake Fambrough<\/a><\/span><\/strong> and his approach to Financial Planning, view his <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.paladinregistry.com\/financial-advisor\/temecula-california\/Blake.Fambrough\" target=\"_blank\">Paladin Registry profile<\/a><\/span><\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A 2014 study from Cogent Reports concluded that over 50% of affluent investors with a balance in a former employer-sponsored retirement plan expect to roll their money into an IRA within the next 12 months.\u00a0 This report continues by saying that an estimated $382 billion will be rolled over in 2015.\u00a0 On average, households with IRA rollovers have $260,000 in financial assets and the average value of those IRAs is<\/p>\n","protected":false},"author":77,"featured_media":7269,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[117],"tags":[],"class_list":["post-7265","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why Rollover 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