Information of Interest

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Roth IRA Conversion

The Tax Increase Prevention and Reconciliation Act (TIPRA) of 2006 repeals the income limit for conversions beginning in 2010.  You will be able to convert your Traditional IRA to a Roth IRA.  What is the difference between a Traditional and Roth IRA?  What are the implications of converting?  The following documents will answer your questions.  If they do not, please give us a call and we will work through your specific circumstances.

Traditional versus Roth – A Comparison
Roth IRA Conversion – An Opportunity
Recharacterization or Conversion of Roth IRA’s

College Planning

Whether you are a new parent or a parent of teenagers, it is never too early or late to begin looking at funding options for your child’s college education.  As a grandparent, you too can get into the  action of helping to fund future college education costs.  Take a look at the links below for more details.

• Planning for College - Options
• 529 Basics
• Grandparent opportunities 

Investing In the Market 

The recent market decline has reinforced the volitile nature of the stock market to all of us.  However, looking throughout the history of the stock market, it is still one of the best long term investment tools we have at our disposal.  It is important to understand the basics of investing and to have professional financial advisors to assist us in our decisions.  The link below will provide you with a basic understanding of the different types of investments and introduce the concept of asset allocation

• Investing Basics
• Asset Allocation   

 Annuities

Annuities can be an important part of your retirement income plan but they are not for everyone.  We have included two documents below that may help you understand Annuities and whether they (or other types of annuities) are right for your retirement income plan.

• Retirement Planning with Annuities
• Variable Annuities

401K Rollovers

• A 401k rollover is a transfer of funds from one retirement savings vehicle to another.  Sounds simple but there are aspects that you need to be familiar with in order to make intelligent decisions with your financial advisor.  Please review the document below to better understand this concept. 
   
• Rollover Basics