AMJ Financial Blog

Tag Archive: roth ira

Determining Tax on Roth Distributions

When you created your Roth IRA account, you might have been under the impression that the money you take out of it will always be tax free. Unfortunately, there are exceptions to this rule that could leave you surprised and frustrated once you receive your tax bill. Roth IRA distributions can consist of contributions, converted… Read More

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Roth IRA vs. 529 Plans: Which is better for you?

In the midst of back-to-school season, you may be considering helping a child, grandchild or loved one with the cost of higher education. Record-high tuition costs have many families exploring the various options available to them including 529 plans and Coverdell accounts, but many fail to realize that a Roth IRA could also be a… Read More

Roth IRA – To Convert or Not Convert in 5 Easy Steps

Are you considering converting your IRA or employer plan assets to a Roth IRA? You may be searching for ways to reduce your tax bill in retirement, and a Roth IRA can do just that. However, before you make any moves with your money, there are other tax implications you should consider first. One of… Read More

The Markets- March 21, 2016

There is ongoing debate about whether markets behave in rational ways. The efficient market hypothesis suggests it’s impossible to outperform the stock market because current share prices reflect all relevant information. In other words, stocks should always trade at fair value and it should be impossible to invest in a stock that is overpriced or… Read More

Market Commentary – February 9, 2016

There was bad news and good news in last Friday’s unemployment report. In the negative column, fewer jobs were created in the United States than economists had predicted, and January’s jobs gains were not as strong as December’s had been. In addition, the December jobs increase was revised downward from 292,000 to 252,000, according to… Read More

Investing in a Roth as Part of College Education Planning

A Roth IRA can be a smart way to save for a child’s education or fund continuing education classes. However, the key is to maintain the right amount of risk depending on when the money will be used for college expenses. Education Planning doesn’t have to be complicated, especially with the guidance of a respected financial adviser. According to… Read More