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While much attention has been directed to Baby Boomers' eligibility for Social Security in 2008, another important milestone has been largely overlooked. On July 1st, 2005, the first Baby Boomers reach retirement age-- as defined by the Internal Revenue Service. Those born January 1, 1946 turn age 59&1/2 today, and may withdraw from retirement accounts without the stiff tax penalties levied on early withdrawals.

The emphasis has been on accumulating money for retirement. July 1st, 2005 is important because if retirees take distributions from their retirement accounts too early or too fast, they may run out of money later when they're unable to work

Unlike Social Security or defined benefit pensions, most personal account plans—401(k), 403(b), SIMPLE plans and IRA’s- don’t provide a guaranteed income for life.  To make sure their money lasts as long as they do, individuals and their advisors need new approaches.

On July 1, 2005 about 10,000 Baby Boomers will reach IRS retirement age —and every day for the next 19 years. July 1, 2005 symbolizes a new era for retirement education— the era of retirement income management, 

This web site is dedicated to bring you information so you can have a quality retirement.

Articles on Retirement Planning
  • Rolling your 401k: Contributory IRA vs. Rollover IRA
    In an ideal world you would start your working career with a great company in your early 20s, steadily climb the corporate ladder, retire at age 65, and draw a sufficient income from your accumulated 401k...
    With a traditional Investment Retirement Account (IRA) you pay taxes when you take the money out at retirement in the future. Make sure that this account is really worth opening in your situation because...
  • Individual Retirement Accounts Explained
    Individual Retirement Arrangement

    An IRA or Individual Retirement Account is an account regarding a plan to retire, which provides certain tax advantages.
    The Individual Retirement Account as most people...
  • What Roth Hath, Traditional Hath Not
    What Roth Hath, Traditional Hath NotThe Taxpayer Relief Act of 1997 introduced a new Individual Retirement Account (IRA) called the Roth IRA. The primary inducement to make contributions to the new Roth...
  • Retirement Plans for Solo Entrepreneurs
    Copyright 2006 Kristine McKinleySaving for retirement is even more important for solo-entrepreneurs because you don't have a company sponsored pension plan or matching 401K contributions to rely on. There...
  • Frequently Asked Questions of Self Directed IRA's
    1) What is ERISA?The Employee Retirement Income Security Act (ERISA) passed the responsibility of retirement savings from the employer to the employee. IRAs were created in 1975 to provide individuals...
  • Saving for Retirement: IRA vs. 401(k)
    Retirement was simpler when all you had to do was put in your time at work, retire and collect your check. Between the company pension and Social Security, most retirees figured they had it made. And if...
  • Your Dreams Capitalized; IRA Power
    What are your dreams? What is your focus? You can not travel where you can not "see" the road. Do you long for a beach condo? The chance to travel? A private cabin in the mountains? Please allow yourself...
  • Who Should Be the Beneficiary of Your IRA?
    You have a number of choices when it comes to selecting a beneficiary (or beneficiaries) for your IRA. Some are appropriate. Some are mistakes and can lead to delays and expenses in getting the funds to...
  • Best IRA CD Rates
    Did you know that IRAs can hold CDs (Certificates of Deposit)? If you are nearing retirement and are tired of fretting over your nest egg, your best and safest return may be with a federally insured bank...
  • The SIMPLE Way to Save For Retirement
    The SIMPLE Way to Save For Retirement A relative newcomer to the retirement plan market, the SIMPLE IRA can be a cost-effective retirement planning alternative for small employers and their employees....
  • 5 Simple Steps: Earn an EASY ROTH IRA MILLION!!!
    5 Simple Steps: How To Earn An Easy Million Through a ROTH IRA!by Tom LevineSo, you wanna earn a million dollars, super-duper easy? How would you like the federal government to give you a big, huge tax...
  • Your IRA and Your Retirement
    Everyone dreams of a comfortable retirement where you finally get to do all those things you never had time for but not everyone knows how to plan financially for it. One of the most popular ways of saving...
  • Roth IRA or 401K - Which is Better?
    Q: I am trying to decide if opening and contributing to a Roth IRA would be a better option than contributing over and above what my company matches in my 401K.A: Ideally, it's best to max out both your...
  • Roth IRAs: Test Your Knowledge
    How well do you know Roth IRAs? Here are five tough questions. Let's see how you do...1. I am 72 years young and still working. Can I set up a Roth IRA?Yes. Unlike a traditional IRA, which does not allow...
  • 401K or Roth IRA - Which is Better?
    Q: I am trying to decide if opening and contributing to a Roth IRA would be a better option than contributing over and above what my company matches in my 401K.A: Ideally, it's best to max out both your...
  • Rollovers to IRAs - Rules, Tips and Cautions
    Rollovers can be a confusing subject. This is because rollovers can come from qualified plans, tax sheltered annuities, eligible Section 457 government plans and the five types of IRAs.Here, I will focus...
  • Secure Your Retirement with a Rollover IRA
    Switching your job? Retiring? Congratulations! A window of opportunity opens for you with the Rollover Individual Retirement Account or Rollover IRA.In an era of corporate restructuring and outsourcing,...
  • Could a Roth IRA be Better Than a 401(k)?
    Very few people whom I know are familiar with the benefits of the Roth IRA. It was named for the late Senator William Roth of Rhode Island, who proposed it. It is similar to a traditional IRA except contributions...
  • Real Estate Options for Retirement Funds
    With your retirement funds it is possible to invest in real estate, mortgages, private notes, structured settlements, factoring, hard money lending, franchise, natural gas investments, golf courses, joint...
  • A Roth IRA, Is It For You?
    Roth IRA's are some of the most sought after investments. But, why? What are they? Why should you invest in them? For many people, the investment world is somewhat of a mystery. We just do not know what...
  • IRA Beneficiary Planning Strategies
    Here's an estate-planning technique that allows you to lower the tax sting to your heirs, and that reduces your retirement income in case you don't think you will need all of your Individual Retirement...
  • Important IRA Changes for 2006
    2006 is a little more than half way over but we have already seen some major changes in the IRA rules. This article will summarize two of these changes and what they mean to you.Income Limit for Roth IRA...
  • Convert To Roth IRA Regardless of Income - 2010
    An odd quirk in the recent legislation to extend the Bush Tax Cuts is giving IRA holders a huge break. For one year, and one year only, the income cap will be gone. Convert To Roth IRA Regardless of Income...
  • Roth Ira Distributions At Death: Pitfalls To Avoid
    One of the most attractive features of a Roth IRA is the ability to control the timing of the eventual required distributions. However, this ability mandates the withdrawals to be made within a prescribed...
  • A Big Tax Loophole Just Got Bigger
    Believe it or not, there are ways to convert taxable incomeinto non-taxable income, without any fear of an IRS audit.Here's one of my favorites. It's been part of our belovedtax code for over 30 years,...
  • Early Redemption Penalties - What Are They?
    These days, more and more attention is being paid to APRs when people are shopping around for loans. This is not surprising as the very reason the APR was introduced was provide a standard figure that...
  • Which IRA Is Best For You?
    An Ira is one of the greatest ways to save on taxes currently and accumulate money for the future.For individuals three types of IRA's will normally come under consideration.The Traditional or Regular...
  • Should You Consider A Self Directed IRA?
    There are plenty of people who do not take advantage of an IRA, but could. An IRA is a tool used for retirement investing. An IRA could mean two things, it could be an Individual Retirement Account or...
  • Tax Tips for Early Retirees
    No matter how you got here, congratulations, you've decided to take early retirement. Setting yourself up to live life as you see fit is one of the American Dreams. A serious problem with retiring early...