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Speaker, author, teacher, consultant: I teach/consult to financial, tax, and legal professionals about the tax laws that govern IRAs and employer plans

Appleby’s Guide to Avoiding the Top 10 Mistakes That Can Wipe out Retirement Savings

  • 08 Jul 2021
  • 10:00 AM - 12:00 PM
  • Program Name: Appleby’s Guide to Avoiding the Top 10 Mistakes That Can Wipe out Retirement Savings


Years of growth in a retirement account can be wiped out by one mistake. As such, retirement account owners and their advisors should take care to ensure that IRAs are operated in compliance with the governing regulations. This includes ensuring that distributions are handled properly, and that movement of retirement assets do not violate the limitations that apply.

The 10% penalty

  • ·         Net Unrealized Appreciation
  • ·         Roth IRA Conversions and Withholding
  • ·         Rollovers and the limitations
  • ·         Direct Rollovers, Indirect Rollovers and Tax Withholding 
  • ·         Beneficiary portability rules
  • ·         Taxes and the ordering rules for Roth IRAs
  • ·         Excess contributions and the 6% excise tax

Learning Objectives

Advisors who attend this session will learn how to:

  • Identify penalties that can apply to distributions, and how they can be avoided.
  • Identify portability mistakes that can result in unintended tax consequences.
  • Move inherited retirement assets in a manner that preserves preserve tax deferred status.
  • Avoid the penalty that can apply to ineligible contributions.
  • Explain the operational and compliance requirements for Roth IRA conversions

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