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Get your cash out of retirement savings without giving away your nest egg to the IRS!
Perhaps your retirement is on the horizon. Or you're changing jobs. Or are about to turn 70.5 years old....
Whatever is going on with your retirement account, IRAs, 401(K)s & Other Retirement Plans is for you! Make sense of the rules that govern distributions from retirement plans - and avoid the stiff taxes and penalties that lurk in the fine print.
In plain English, this book discusses all common types of retirement plans, including 401(k)s and other profit-sharing plans, Keoghs, IRAs and tax-deferred annuities. It covers:
The 9th edition is completely updated with the latest tax rates, tables and methods for calculating required distributions. It also reflects the Pension Protection Act of 2006, a huge update to various retirement programs.
With IRAs, 401(K)s & Other Retirement Plans as your guide, you'll know the rules, avoid the penalties and save for your future like a pro.
- Sales Rank: #1236433 in Books
- Brand: Brand: NOLO
- Published on: 2009-07-10
- Original language: English
- Number of items: 1
- Dimensions: 9.00" h x 1.00" w x 7.00" l, 1.20 pounds
- Binding: Paperback
- 308 pages
- Used Book in Good Condition
Amazon.com Review
IRA's, 401(k)s & Other Retirement Plans, by financial specialists Twila Slesnick and John C. Suttle, is a solid self-help legal look at a critical back-end issue that most of us blissfully ignore until we absolutely must confront it. The authors themselves admit it is not a compelling page-turner, but rather a comprehensive resource that at some point should prove indispensable to everyone with a retirement plan. They describe the various plans available--including Roth IRAs, to which an entire chapter is devoted--focusing on distribution rules, associated taxes, and potential penalties. They offer details on early distributions used to pay higher-education expenses or health-insurance premiums (which are not subject to taxes, under certain explicit conditions), distributions you must take during your lifetime (when they begin, how they're computed, what happens if your beneficiary changes), and distributions made after an account holder dies (largely concentrating on administrative procedures that could help you avoid unnecessary financial loss). Helpful appendices include relevant IRS forms, notices, and schedules as well as life-expectancy tables. --Howard Rothman
Review
A more impressively clear and comprehensive layman's guide is IRAs, 401(k)s & Other Retirement Plans... (U.S. News & World Report 2009-01-01)
"Few resources are as valuable when it comes to financial planning in later life." (The Wall Street Journal 2008-02-02)
"An explanation of the complicated rules on withdrawal, written for ordinary people." (Hank Ezell, Atlanta Journal Constitution 2008-02-02)
"Belongs on the bookshelf of anyone with an IRA, 401(k) or other type of qualified retirement plan. When the inevitable questions come up, here's where you'll find the answers." (Kiplinger's Personal Finance 2008-02-02)
"A more impressively clear and comprehensive layman's guide is IRAs, 401(k)s & Other Retirement Plans..." (U.S. News & World Report 2008-02-02)
Enabled me to devise the most advantageous distribution schedule for my IRA... It is one of the most helpful books I have ever read. (D. K., New York, NY)
An explanation of the complicated rules on withdrawal, written for ordinary people. (Hank Ezell Atlanta Journal Constitution 2009-01-01)
Belongs on the bookshelf of anyone with an IRA, 401(k) or other type of qualified retirement plan. When the inevitable questions come up, here's where you'll find the answers. (Kiplinger's Personal Finance 2009-01-01)
Twila Slesnick... literally wrote the book on 401(k) plans... (Joe Ducy KRON TV 2009-01-01)
An excellent starting point... (Money Magazine 2009-01-01)
Finally, a book about retirement plans that should find a place on home bookshelves as well as in professional libraries. Anyone with an IRA or a plan at work will find accurate and easy-to-understand answers to almost any question. (Charles R. Purnell Pillsbury Madison & Sutro LLP 2009-01-01)
The authors describe in everyday language the IRS' finicky rules for withdrawing your money from a retirement plan and warn of taxes and penalties for those who make a false step. It's a valuable resource indeed. (Ann Perry San Diego Union-Tribune 2009-01-01)
Few resources are as valuable when it comes to financial planning in later life. (The Wall Street Journal 2009-01-01)
Uses everyday language to describe Internal Revenue Service rules for making withdrawals from retirement plans. (The Wall Street Journal 2009-01-01)
Review
"An explanation of the complicated rules on withdrawal, written for ordinary people."
Most helpful customer reviews
103 of 104 people found the following review helpful.
Pay attention to the sub-title (Mar 2011 update)
By Catherine Michael
The reviewer plugging the "MarketBuster" book has totally missed the point of this NOLO book, which is given in the subtitle: Taking Your Money Out. The reviewer is talking about strategies for growing your account.
When you're in the savings/growing mode you're in a whole different situation than you're in when you're having to withdraw and/or live off your account. Going from one to the other requires a major change in strategy and, more important, a MAJOR change in mindset and, often, life style.
You're confronted with a whole new set of regulations, whether the reason for the change is retirement, inheriting an account, etc. The biggest change in mindset is that instead of the pleasant pre-retirement situation of watching the money accumulate, you have to recognize that you're now going to be watching it DECLINE. And unless you've got a tremendously more than sufficient account, you're going to have to live with the knowledge that you could outlive the account, possibly due to your own mistakes, some of which this book can help you avoid.
Four years ago I was confronted with making this shift a whole lot sooner than I'd planned, and with getting control of my retirement accounts under conditions where I had little help. Without the previous edition of this NOLO book, I would have been totally lost and probably made serious mistakes.
Now, one caveat: This book does not tell you how to MANAGE your withdrawals and account so as to produce INCOME; as one should expect from NOLO press as a LEGAL advice publishing house, it deals with the nuts, bolts, traps and hazards of the PROCESS of getting the money out.
In my situation I also found that there is not a whole lot of good material out there on the subject of managing your money and account IN the WITHDRAWAL stage, and this subject is affecting more and more people, as the country shifts from defined benefit (pensions) plans to plans like 401Ks and IRAs that place the job of investing and managing on the individual. (Written 2005)
The above paragraph is still true (Mar 2011), but with the "boomer wave" of retirements hitting the advice industry, the situation is beginning to change. I'm seeing more professional literature about managing accounts for income and sustainability and the use of more realistic/conservative estimates of expected returns. Catch 22 right now is that most investments these days with acceptable risk are also virtually income-less. (CDs, USA bonds).
It is a whole lot more complex, risky, and stressful than most people realize, especially considering the general abysmal education (lack of) even young people receive on the subject, let alone people my age who were raised to count on pensions, etc. (And thank goodness for Social Security, which while far from adequate, can still supply a firm base of about 30 to 50% of a retirement income; although that's another issue)
So I recommend this book as essential for the basic procedures, but you will also need additional information on how to manage your income account(s). Personally, in addition to a good fee based financial planner, I found invaluable help from folks who have actually been doing the job for years, especially in the forums of Morningstar, for example. But you have to be on constant alert for scamsters and the whole "how to be a billionaire" publishing crowd. You're going to have to invest some serious time and effort in educating yourself for a the whole new job of retirement, and this book is an excellent place to start, preferably BEFORE you actually have to start TAKING YOUR MONEY OUT.
43 of 43 people found the following review helpful.
Single Best Resource Book on Retirement Plan Distributions
By A Customer
In my career, I work almost exclusively with retirees, and I have found this book to be the best resource for Retirement Distributions. It explains the rules in a concise manner, and includes the special rules for Roth IRAs. This is an especially good reference book for advisors because it goes in depth- not just the basics.
49 of 50 people found the following review helpful.
Thorough coverage for the tax professional. Easy to use.
By A Customer
I do taxes. I have been a "tax professional," working for a reputable CPA firm, for eighteen years.
I imagine that most people think that we always read the most obscure laws, regulations and treatises on tax subjects before we make our decisions and recommendations. The fact is that most professionals are delighted to find publications which make good information easy to find. This book does that.
"How to Take Your Money Out" gives thorough coverage to a very complicated subject. Equally important is that it is almost enjoyable to read and that finding what you are looking for is easy. It is well organized and well indexed. When I looked for answers, I found them, on the first shot.
There are plenty of people, both professionals and taxpayers, who are wondering what to do about IRA and other retirement plan distributions. Having this book on the shelf will give you confidence that you'll know where to look when you need the answers.
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