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IRA Rollovers
Just as a lighthouse would guide a ship through dark waters, many decisions in your life are too important to be made without direction. You need guidance and a full understanding of your options when it comes time to receive a qualified retirement plan distribution. Whether you are retiring or changing jobs, it is important to explore these options and map out the most appropriate investment strategy to keep your retirement objectives on course.

Deciding what to do with your retirement plan distribution depends on a number of factors--your age, eligibility for favorable tax treatment, your immediate need for cash, and the amount of your distribution. There are several options to consider:
  1. Instruct your employer to roll the distribution directlly into your IRA.

  2. Take all of the money now, pay ordinary income taxes and, in some cases , pay a 10% early withdrawal penalty.

  3. Take some of the money now, pay income taxes and, in some cases pay a 10% early withdrawal penalty. Then, defer taxes on the rest by directly rolling over the balance into an IRA.

  4. Roll funds into a traditional IRA.
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Disclaimer: The opinions expressed herein are those of the writer (Forefield Inc.) and may not reflect those of Wunderlich Securities, Inc. or any of its affiliates.  The information herein has been obtained from sources believed to be reliable, but we can not assure its accuracy or completeness.  Neither the information or any opinion expressed constitutes a solicitation for the purchase or sale of any security.  Any reference to past performance is not to be implied or construed as a guarantee of results.

The tax information provided is not intended to be a substitute for specific individualized tax planning advice. We suggest that you consult with a qualified tax advisor.

Securities offered by Wunderlich Securities, Inc. Member FINRA/SIPC

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