AARP Retire Secure! (eBook)

Foreword by Larry King xxi

Acknowledgments xxiii

How to Read This Book xxv

The Big Retirement Question xxix

A Summary of Tax Reduction Strategies xxxi

What's New! xxxvii

Introduction by Ed Slott xliii

Part One The Accumulation Years: The Best Way to Save forRetirement 1

1. Fund Retirement Plans to the Maximum 3

2. Traditional IRAs versus Roth IRAs 31

3. Traditional 401(k)s and 403(b)s versus Roth 401(k)s and Roth403(b)s 49

Part Two The Distribution Years: Spend the Right Funds Firstand Other Critical Decisions You Face in Retirement 71

4. Optimal Spending Strategies for Retirees 73

5. Minimum Required Distribution Rules 85

6. Should You Transfer Your 401(k) Account to an IRA atRetirement?: Rollovers versus Trustee-to-Trustee Transfers andOther Strategies 95

7. Roth IRA Conversions 123

8. Annuitizing Your Financial Accumulations: Does It Make Sensefor You? 139

9. Withdrawing Retirement Plans Funded with Company Stocks andNet Unrealized Appreciation 161

Part Three Estate Planning: It Is Never Too Early to Start167

10. Eddie and Emily: A Retirement and Estate Planning Case Study171

11. How to Reduce Your Federal Estate Tax Burden 181

12. The Most Certain and for Many the Best Way to ProvideFinancial Security for Your Children: Survivorship Life Insurance203

13. Laying the Foundation for Estate Planning: Using the MinimumRequired Distribution Rules after Death 225

14. Using Disclaimers in Estate Planning 235

15. The Ideal Benefi ciary Designation of Your Retirement Plan:Stretching and Disclaiming: Lange's Cascading Benefi ciaryPlan 249

16. Changing Benefi ciaries for Retirement Plans and IRAs265

17. Trusts as Benefi ciaries of Retirement Plans 275

18. How Donors Can Do Well by Doing Good 287

19. A Point-by-Point Summary of the Whole Process 301

Thank you, Readers 305

Appendix: Life Expectancy Tables 309

About the Author 311

Index 313