WHAT HAPPENS TO MY IRA MONEY AFTER I DIE?

What Happens to My IRA Money After I Die?

Making News…

We  produce regular Q&A columns for Florida Today and MarketWatch, a personal finance website of the Wall Street Journal, as well as pieces for Financial Advisor magazine, the Journal of Financial Planning, and Nerd Wallet among others. Here is a sampling from the last three months.

Just say ‘no’ to an annuity in your Roth IRA

How to fund a grandchild’s college education with a Roth IRA

Avoiding the 10% penalty on early IRA distributions

How a cancer diagnosis affects Social Security strategy

Why tapping an old 401(k) to pay off debts is a bad idea

Don’t be too quick to roll deceased spouse’s IRA into your name

In the News…

We also act as a source to many prominent media outlets, speak at and/or attend various conferences, and advocate for the development of financial planning as a profession.

Moisand Speaks at California Conferences: In November, Dan Moisand , CFP® delivered a presentation and served as a panelist at a day-long event put on by the Los Angeles chapter of the Financial Planning Association.  His talk covered the latest and greatest research on generating and maintaining cash flow in retirement. In January, he served as a panelist at the TD Ameritrade Institutional conference discussing how advisors can form “study groups” to engage in significant peer to peer learning.

If it sounds too good to be true, it probably is.  Fraud perpetrated against celebrities, athletes and the wealthy get the most attention but Ponzi schemes occur here in Central Florida as well, as this Florida Today piece tragically reveals.  Dan  explained the victims are not likely to recover much if any of their money.   Our advice is to stay diversified and look at any investment “opportunity” which is out of the mainstream with skepticism.  Substantial due diligence is necessary.

News You Can Use

There is no shortage of people sharing opinions about financial markets. This article shows how frequently used meaningless market phrases can sound smart.

Our financial world continues to grow more complex but mastering the basics of personal finance is not complicated. This piece lays out some solid principles of personal finance.

Do you find the new health care laws confusing? You are not alone. Due to incorrect information circulating, we thought going to the source would be a better option. The IRS has tried to sum up the tax implications of our health care laws using this chart.

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 Contact Us


Moisand Fitzgerald Tamayo, LLC is an Orlando, FL and Melbourne, FL based fee-only financial planner serving central Florida and clients across the country. Moisand Fitzgerald Tamayo, LLC specializes in providing objective financial planning, retirement planning, and investment management to help clients build, manage, grow, and protect their assets through all phases of one’s life and the many transitions in between.

If you have any questions or would like to discuss anything further, please give us a call or send us a note.

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Important Additional Information & Disclosures


Please remember that past performance may not be indicative of future results.  Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Moisand Fitzgerald Tamayo, LLC-“MFT”), or any non-investment related content, made reference to directly or indirectly in this blog will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. 

Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions.  Moreover, you should not assume that any discussion or information contained in this blog serves as the receipt of, or as a substitute for, personalized investment advice from MFT. 

Please remember that if you are a MFT client, it remains your responsibility to advise MFT, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. MFT is neither a law firm nor a certified public accounting firm and no portion of the blog content should be construed as legal or accounting advice. Tax advice is given only to clients and only when agreed to by MFT. A copy of the MFT’s current written disclosure Brochure discussing our advisory services and fees is available for review upon request.

Please Note: MFT does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to MFT’s web site or blog or incorporated herein, and takes no responsibility for any such content. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please Note: Limitations:  While MFT does NOT pay for recognition, awards, or publicity, neither rankings and/or recognition by unaffiliated rating services, publications, or other organizations, nor the achievement of any designation or certification, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if MFT is engaged, or continues to be engaged, to provide investment advisory services. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers. No ranking or recognition should be construed as a current or past endorsement of MFT by any of its clients.  ANY QUESTIONS: MFT’s Chief Compliance Officer remains available to address any questions regarding rankings and/or recognitions, including providing the criteria used for any reflected ranking.

Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.  It should not be assumed that your MFT account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your MFT accounts; and, (3) a description of each comparative benchmark/index is available upon request.

 

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