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[DOC File]Congratulations on a valuable career in federal service ...
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Congratulations on a valuable career in federal service and your upcoming retirement! Before you send in your retirement papers, though, there are a few things you will want to take a closer look at to make sure you are getting the most out of the benefits you have earned.
negatives of roth ira

[DOC File]Psychologicy and Economics: Policy Implications
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For example, a hyperbolic agent is likely to simply consume a $100 windfall, whereas she might open up an IRA if she receives a $1000 windfall. As the windfall gets larger, the behavioral agent will be more likely to protect the money by moving into an illiquid, psychologically off-limits retirement account.
roth advantages and disadvantages

[DOCX File]irp-cdn.multiscreensite.com
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Roth 401(k) contributions are made on an after-tax basis, just like Roth IRA contributions. Unlike pre-tax contributions to a 401(k) plan, there's no up-front tax benefit--contributions are transferred to the plan after taxes are calculated.
downside of roth ira

[DOC File]Leimberg’s - SFSP
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The Bankruptcy Act of 2005 extends creditor protection to non-ERISA pensions and to IRAs. The Bankruptcy Act limits the exemption for traditional and Roth IRAs to $1,000,000. The $1 million IRA limitation does not apply to rollovers (including subsequent earnings) …
advantages of a roth ira

[DOCX File]Leimberg Information Services
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So some of the tax free benefits an employee would otherwise receive become taxable since the employee now owning sufficient stock is treated for tax purposes as a partner in a partnership. Examples: Meals and lodging on employees premises [IRC Sec. 119]; group term life insurance, cafeteria plan, etc.
benefits of a roth account

[DOC File]Returns to 1/26/04
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Contribute to a Roth, regardless of income. You can contribute to an individual Roth IRA only if your modified adjusted gross income falls below the legal limit. However, more employers are offering Roth 401(k) options. Like a traditional 401(k), there are no income limits for salary deferrals. Take a loan.
disadvantage of roth ira

[DOCX File]TMC Business
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BENEFITS. Diversified Investment Portfolio. No Limit on Annual Investment. Upon death, beneficiaries are guaranteed face value or higher market value. Pay for this. VA company may permit annual payout without penalty. Watch for forced annuitization. Tax-deferred Growth Of Funds. DRAWBACKS. High Mortality and Expense Charge. Depends on the contract
inherited roth ira distribution rules

[DOC File]I
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Roth IRA §408(a) No deduction for the contribution. Use after tax dollars to make contributions. Growth is tax free. No taxation upon w/drawal. in this sense, the tax benefits are “back loaded” as long as the w/drawl is qualified
roth ira pros and cons

Roth ira benefits and drawbacks