Andy Ives

1 week ago | irahelp.com | Andy Ives |Matt Smith

By Andy Ives, CFP®, AIF®IRA AnalystQuestion:Are rollovers done by a spouse beneficiary subject to the once-per-year IRA rollover rule? The IRA funds were never distributed to me. They were directly transferred from my deceased husband’s IRA to my own IRA. Everything was done electronically at the same firm. I’m being told that the second transfer is taxable.

1 week ago | irahelp.com | Andy Ives |Matt Smith

By Andy Ives, CFP®, AIF®IRA AnalystThe recent market ride has been nuts. It is certainly no fun for anyone who owns stock or stock funds. Many of us are experiencing the same sensation in our gut as when a roller coaster click, click, clicks to its apex and then plummets over the edge. (That’s why I don’t ride roller coasters anymore.) Wild swings in the market result in sleepless nights for many. But for those with a long-term view, there is a potential silver lining in this storm cloud.

2 weeks ago | irahelp.com | Andy Ives |Matt Smith

By Andy Ives, CFP®, AIF®IRA AnalystQUESTION:A 401(k) plan participant over age 73 wants to roll over his account to a new IRA. I understand that he must take a required minimum distribution (RMD) before the rollover. Is an additional RMD required in the same year from the IRA? ANSWER:If this person has no other IRAs besides the new one receiving the 401(k) funds, then no additional RMD needs to be taken from the IRA for this year.

4 weeks ago | irahelp.com | Andy Ives |Matt Smith

By Andy Ives, CFP®, AIF®IRA AnalystQuestion:In the article “Why You Should Take Your 2025 RMD Now,” the following caught my eye …“Or, maybe you are charitably inclined and looking to satisfy your RMD by doing a qualified charitable distribution (QCD). This will require the custodian to send funds directly to charity and the charity must cash the check.”I wonder if you can clarify what the phrase, “send funds directly to charity” means?

4 weeks ago | irahelp.com | Andy Ives |Matt Smith

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