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SPOUSAL INDIVIDUAL RETIREMENT ACCOUNT (IRA)

SPOUSAL INDIVIDUAL RETIREMENT ACCOUNT (IRA)

If you meet certain conditions, you can set up and contribute to an IRA (traditional or Roth) for your spouse, even if he or she receives little or no taxable compensation for the year of the contribution. Such an IRA is commonly referred to as a spousal IRA. A spousal IRA is not, however, a special type of IRA. It is merely a way of describing the fact that you are making a contribution to your spouse's traditional or Roth IRA.

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ESTATE PLANNING: Plan Today. Enjoy Tomorrow. 

ESTATE PLANNING: Plan Today. Enjoy Tomorrow. 

Estate planning is important to all investors, so we created a video that provides a helpful overview and actionable steps you can take.

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The Value of a Long-Term View

The Value of a Long-Term View

Similar to your home, companies have actual economic value despite their stock price on any given day. They are not just pieces of paper or a blip on the computer screen.

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Coverdell ESA

Coverdell ESA

Contributing to a child’s ESA will help jump‑start his savings—and give him tax‑free money later—to pay for education expenses.

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Inherited IRA

Inherited IRA

If you’ve inherited an IRA, make sure you understand your options. Because of the IRS rules, your options as an IRA beneficiary depend on certain factors.

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IRA and Retirement Plan Distributions

IRA and Retirement Plan Distributions

Whether your retirement is close or still a ways off, you may be ready-or required-to put your savings to use. With a retirement plan, you must satisfy certain requirements before taking a distribution, but with an IRA, you can withdraw your IRA assets anytime (subject to possible tax and penalty).

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Transfers, Rollovers and Conversions

Transfers, Rollovers and Conversions

Your retirement savings accounts are portable: IRA-to-IRA, IRA-to-retirement plan, Retirement plan-to-IRA, Retirement plan-to-retirement plan.

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Common Cents Planning

Common Cents Planning

In an ideal world, investors should have at least six months, and as much as two years, of living expenses set aside before they invest in stocks. Although you may not be there yet, it is a worthwhile goal. Having a sufficient cash reserve – in good times and bad – should provide flexibility and allow you to make rational, unforced financial decisions.

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