By James Lange
AARP electronic versions give you sensible advice, confirmed recommendations, and professional tips.
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Additional info for AARP Retire Secure!. Pay Taxes Later—The Key to Making Your Money Last
To effectively plan for your future. com Part One THE ACCUMULATION YEARS The Best Way to Save for Retirement 1 Fund Retirement Plans to the Maximum The most powerful force in the universe is compound interest. —Albert Einstein Main Topics • Why contributing the maximum to a retirement plan is so valuable • The clear advantage of pretax IRA and retirement plan savings • Why you must always contribute to plans with employer-matching • The two principal categories of retirement plans • Eight major types of retirement plans and their contribution limits • Running the numbers for an employer-matching program • Nonmatched contributions • Tax-deferred accumulations versus after-tax accumulations • Options for contributing to more than one plan • Minimize your life insurance costs to maximize your retirement contributions • Making contributions when you think you can’t afford it KEY IDEA Every employee who has access to a retirement plan should contribute the maximum his or her employer is willing to match or even partially match.
IRA owners who still have earned income should consider contributing to nondeductible IRAs now so that they can convert those nondeductible IRAs to Roth IRAs. Only the earnings on those nondeductible IRAs from now until 2010 will be subject to income tax when you make the Roth IRA conversion. • You can also try to control the timing of income to maximize the Roth IRA conversion. • Finally, if you are going to have to come up with the money to pay the tax on the conversion, it is better to know that ahead of time and plan your investments and cash accordingly.
Thank you for purchasing Retire Secure! I have given everything I have to make this book worthy of your valuable time, and I truly believe that the strategies and ideas put forth will help you achieve a more secure retirement. A Note Specifically for Financial Professionals If you are a financial professional (financial planner, CPA, attorney, banker, stockbroker, insurance professional, CFP, money manager, and so on) and want to elevate the level of your service and significantly increase your income, this book will go a long way towards helping you achieve your goals.
AARP Retire Secure!. Pay Taxes Later—The Key to Making Your Money Last by James Lange