Retirement Planning for IRAs | Lord Abbett
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Retirement Planning

Lord Abbett makes it easy for you to consolidate assets and manage retirement income.

Retirement Products

To help create a retirement plan that's appropriate for an investor, Lord Abbett offers a range of retirement solutions that seek to address diverse needs and circumstances.

Individual Retirement Accounts

Traditional IRA

A traditional IRA is a tax-deferred account that allows individuals to save for retirement on a tax-deferred and potentially tax-deductible basis.

Roth IRA

A Roth IRA allows investors of any age to save for retirement if their income qualifies. Contributions are made with aftertax dollars, offer the potential of tax-free withdrawals and the owner is not required to take minimum distributions. 

Rollover IRA

Lord Abbett makes it easy to open a Rollover IRA. Anyone receiving a distribution from a former employer workplace retirement plan is eligible to set up a Rollover IRA. 

Coverdell ESA

You can save for a child’s education with a Lord Abbett Coverdell Education Savings Account. As long as the student for whom you are saving is under age 18 and your income qualifies, you can establish a Coverdell ESA

Small Business Plans


A Savings Incentive Match Plan for Employees (SIMPLE) is an IRA-based retirement savings plan that offers small business owners an easy and cost effective way to assist employees in saving for their retirement as well as their own. 


A Simplified Employer Pension (SEP) is an IRA-based retirement savings plan that allows small businesses’ and their employees to save for retirement on a tax-deferred basis.

Payroll Deduction IRA

Payroll Deduction IRAs offer employees of a small business an easy and convenient way to save for retirement through a Lord Abbett traditional IRA, Roth IRA, or Coverdell Education Savings Account.

    • Advanced IRA Topics
      Advanced IRA Topics


      IRAs and qualified plans have somewhat different rules regarding bankruptcy and creditor protection.

      If an investor faces insolvency, he or she can look to the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) for guidance on retirement assets that are shielded from federal bankruptcy. Effective for bankruptcies filed on or after 10/17/2005, all retirement accounts are protected in the event of individual bankruptcy, whether or not the Employee Retirement Income Security Act (ERISA) is applicable. This protection is also extended to IRAs. It is intended to shield retirement assets from creditors and prevents a participant's bankruptcy from causing the investor to lose assets that have been set aside for retirement.
    • Advanced IRA Topics
      Advanced IRA Topics


      Spouse? Non-spouse? Non-person? All can be named as IRA beneficiaries, but tax treatment can be very different.

      Naming a beneficiary using a beneficiary form provided by or accepted by the IRA custodian is very important. Why? What's written on the beneficiary designation form, not contained within the investor's will, determines who inherits the IRA. In other words, IRAs do not pass through probate.

    • Advanced IRA Topics
      Advanced IRA Topics

      Estate Tax

      Like all assets, IRAs must be considered as part of the estate plan. But to whom the account is left can make a significant difference.

      Estate planning is critical to preserving wealth for future generations. The estate tax or "death tax" is a federal and or state tax placed on a decedent's asset transfer. A gross estate includes the value of all property in which the decedent had an interest at the time of death, including employer-sponsored retirement plans and IRAs. Whether an estate will be subject to estate taxes depends on the year of death, the gross estate's value, the amount of debt, the expense of settling the estate, and any available deductions.
    • Advanced IRA Topics
      Advanced IRA Topics

      IRA versus Qualified Plan Beneficiary Rules

      Are there different rules when it comes to naming an IRA beneficiary versus a qualified plan beneficiary?

      By law, qualified plans, such as a 401(k)s, require the participant's spouse to be the designated 100% beneficiary. In order for a married 401(k) plan participant to name any other person as beneficiary, the spouse must waive his or her rights as beneficiary in writing, and most plans require that any spousal waiver be witnessed by a notary public. In addition, a new beneficiary must be named.

    • Advanced IRA Topics
      Advanced IRA Topics

      Naming a Trust

      Why would an IRA account owner want to name a trust or non-person as a beneficiary?

      One type of frequently used trust is called a "see-through" trust. It creates a mechanism for the deceased to control account withdrawals, post-death. In addition, a see-through trust allows the underlying beneficiary to "stretch" distributions over their life expectancy. Prior to naming a trust as a beneficiary, an investor needs to be aware of the complex rules that govern trust beneficiaries.


    1. Complete the writable IRA Application

    2. Print and send to Lord Abbett by mail, fax, email or use our Free FedEx shipping option

    3. You’ll receive a confirmation once your IRA is established

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