Advanced IRA Topics | Lord Abbett

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Retirement Products

Bankruptcy

IRAs and qualified retirement plans have to a certain degree different rules regarding bankruptcy and creditor protection.

Beneficiary

Anyone, generally can be named the beneficiary of an IRA including a spouse, non-spouse, or a non-person (i.e. charity); however, tax treatment can vary.

Estate Tax

IRAs must be considered part of an individual’s estate plan. 

IRA versus Qualified Plan Beneficiary Rules

What, if any, are the differences when it comes to naming an IRA beneficiary versus a beneficiary of qualified retirement plan?

Naming a Trust

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

Net Unrealized Appreciation

When appreciated company stock is included in a retirement plan distribution, recipients may benefit by transferring the shares to a taxable brokerage account while rolling over the non-stock assets to an IRA. A benefit, net unrealized appreciation (NUA) allows a plan participant to potentially take advantage of lower tax rates.

Penalty-Free Withdrawals

Generally, IRA distributions that occur before attaining age 59½ are subject to a 10% early distribution penalty tax unless an exception applies. Here we discuss of number of exceptions the 10% early distribution penalty tax.

 

Important Information

To comply with Treasury Department regulations, we inform you that, unless otherwise expressly indicated, any tax information contained herein is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties that may be imposed under the Internal Revenue Code or any other applicable tax law, or (ii) promoting, marketing, or recommending to another party any transaction, arrangement, or other matter.

The information presented in this section is intended for general information and is not intended to be relied upon and should not be relied upon, as financial, legal or tax advice for any particular investor. We strongly recommend that you contact your financial, legal or tax advisor regarding your particular tax situation.

The information presented in this section is not written or intended to be used, and cannot be used, for the purpose of avoiding any tax liabilities or penalties.

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