How to Disclaim an Inherited IRA
It’s a useful tool in some situations, but not an easy cure-all.
Natalie Choate
Natalie Choate is a lawyer in Wellesley, Massachusetts, who concentrates in estate planning for retirement benefits. Her book, Life and Death Planning for Retirement Benefits, is a leading resource for professionals in this field. The views expressed in this article do not necessarily reflect the views of Morningstar.
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Providing for Minor Children After SECURE
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Providing for the Surviving Spouse After SECURE
Contributor Natalie Choate examines how the SECURE Act affects popular strategies for leaving IRAs and retirement plans to a spouse.
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Surprises With SECURE's 10-Year Rule
Contributor Natalie Choate reviews the questions that some fiduciaries face today.
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Contributor Natalie Choate with what not to do to 'help' clients.
SECURE Act Targets Minimum Distribution Rules
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The IRS has proposed new actuarial tables for calculating required minimum distributions. Here’s the timeline and the key takeaways.
Death Distinctions Between 401(k)s and IRAs
Contributor Natalie Choate discusses the challenges--and limitations--for heirs when beneficiary designations aren't completed for retirement accounts.
Multiple Beneficiaries and the Year of Death RMD
Contributor Natalie Choate navigates through the complexities.
Roth Rollover Traps
Contributor Natalie Choate reviews the good, the bad, and the ugly when rolling over from a Roth 401(k) to a Roth IRA.
7 Ways to Fix Wrong or Missing Beneficiary Designations
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How to Maximize Roth Savings Through a Solo 401(k)
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How to Maximize Roth Savings Through a 401(k) Plan
Contributor Natalie Choate discusses a little-known--but low-tax--savings strategy.
4 Dumb Answers About IRAs and Retirement Plans
Natalie Choate shares some of the incorrect statements she's heard from IRA providers and plan administrators.
How to Avoid This IRA-to-IRA Rollover Trap
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IRA Annuity Surprises
And not the good kind, either, says contributor Natalie Choate.
Tricky Timelines If You Miss an RMD
For what year or years do you file IRS Form 5329 if you discovered you've missed a required minimum distribution?
Restoring Lawsuit Winnings to an IRA
The ability to contribute a restorative payment to an IRA applies only to the compensatory payment for the actual investment loss.
The 401(k) Early Withdrawal Penalty: It's Not Fair!
Contributor Natalie Choate reviews some of the inconsistencies in the penalty investors pay if they take distributions from their retirement plans too early.
A Good Tax Idea Backfires
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Why do back flips to qualify for a life expectancy payout that may soon cease to exist?