| | |
| Preface | In which the author states his biases and tells you how this book should be read | 5 |
| | |
| Foreword | What this book will do for you, and what it will not | 8 |
| | |
| Section One | | |
| Demythologizing the Roth IRA | |
| | |
| Chapter 1 | What is a Retirement Plan? | 15 |
| Chapter 2 | IRA vs. Roth IRA – The Basics | 16 |
| What Is an IRA? | |
| What Is a Roth IRA? | |
| Chapter 3 | Lawmakers’ Intent in Creating the Roth IRA | 18 |
| Chapter 4 | Contributions and Limits | 31 |
| Chapter 5 | Roth IRA Conversion | 34 |
| Chapter 6 | Emergency and Short-Term | |
| Investments vs. Long-Term | |
| Investments | 41 |
| Chapter 7 | The Four Phases of an IRA and a Roth IRA | 43 |
| IRA Rules: | |
| Phase 1: Accumulation | |
| Phase 2: Normal Distribution | |
| Phase 3: Required Minimum Distribution (RMD) | |
| Phase 4:Distribution After Death | |
| Roth IRA Rules: | |
| Phase 1: Accumulation | |
| Phase 2: Normal Distribution | |
| Phase 3: Required Minimum Distribution (RMD) | |
| Phase 4: Distribution After Death | |
| Chapter 8 | Stretch IRA and Roth IRA | 53 |
| Chapter 9 | Roth 401(k) Plans | 65 |
| Chapter 10 | Thrift Savings Plan | 67 |
| Chapter 11 | Should I Rollover My 401(k) into an IRA? | 69 |
| Chapter 12 | How to Set Up a Roth IRA
How to Convert to a Roth IRA | 71 |
| Chapter 13 | How to Pay the Income Tax on the Conversion | 76 |
| | |
| Section Two | | |
| How to Invest your Roth IRA | |
| | |
| Chapter 14 | The Basics of Investments | 83 |
| Investment Horizon (Time Line) | |
| Risk | |
| Taxes | |
| Chapter 15 | Who Should Handle Your Investments? | 92 |
| Do It Yourself | |
| Hire a Professional | |
| Fee-Based Advisors | |
| Commission-Based Advisors | |
| Chapter 16 | Who Provides Investment Advice? | 96 |
| Broker/Dealers | |
| Wirehouses | |
| Bank Branches | |
| Independent Advisor/Agents | |
| Insurance Agents | |
| Free Advice | |
| Section Three | | |
| Tax-Saving Strategies | |
| | |
| Chapter 17 | Finding Tax Savings | 101 |
| Chapter 18 | Tax Credits | 102 |
| Chapter 19 | Tax Deductions | 105 |
| Chapter 20 | Tax Deferred | 111 |
| Chapter 21 | Tax Free | 112 |
| | |
| Appendixes | | 114 |
| Glossary | | 122 |
| Bibliography | | 126 |
| Acknowledgements | | 128 |
| About the Author | | 129 |
| Index | | 130 |
