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.

 

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