IRA Rollover

IRA Rollover covers the rules, regulations and restrictions for traditional and Roth IRAs, as well as other types of individual retirement planning options like SIMPLE plans, SEPs and Keough plans. 

By NAPA Net Staff2/11/2015 • 0 Comments

The IRA rollover market — already a large component of the nation’s retirement savings — could see another surge in the next 12 months, according to a new report. READ MORE

By John Ortman10/29/2014 • 0 Comments

Advisors seeking to capture IRA rollovers face a "four-part harmonization" of regulatory and other government entities -- that is, SEC, DOL, FINRA and GAO -- in the words of ERISA attorney Fred Reish. Speaking at a workshop session at the 2014 ASPPA Annual Conference Oct. 28, the Drinker Biddle attorney was joined by fellow panelists Pete Swisher of Pentegra and Yannis Koumantaros of GROUPIRA. READ MORE

By Nevin Adams10/24/2014 • 0 Comments

The Government Accountability Office (GAO) recently reissued its preliminary report on Individual Retirement Account (IRA) accumulations. READ MORE

By NAPA Net Staff10/13/2014 • 1 Comments

According to new research from Cerulli Associates, approximately $720 billion of defined contribution assets that were eligible for distribution remained in employer-sponsored plans in 2013. Those assets were more than twice as large as the amount that rolled out.


By NAPA Net Staff9/9/2014 • 0 Comments

With taxes and tax rates facing an uncertain future, interest in Roth IRAs is growing among both participants and plan sponsors. But who is contributing to these Roth IRAs, and how fast are they growing?


By John Iekel7/24/2014 • 0 Comments

Is Washington obsessed with rollovers? Brian Graff, Executive Director/CEO of NAPA and ASPPA, thinks so. “There’s no one who doesn’t care about this issue. There is an obsession with the rollover issue in DC,” said Graff in NAPA's July 22 members-only webinar, “Washington Update: Rollovers, Rollovers, Rollovers — It’s All About Rollovers.” He and NAPA’s Director of Government Affairs Ron Triche discussed the ways in which rollovers are front and center on the federal radar screen. 

By Fred Barstein7/21/2014 • 0 Comments

Rolling a 401(k) account into an IRA is not only a popular choice for most participants, for some it’s the only option they have. As illustrated by a July 18 CNN article highlighting the issues and potential dangers associated with rollovers, the general media is definitely paying attention.  READ MORE

By Fred Barstein6/18/2014 • 0 Comments

Adding fuel to the fire, an attack on the IRA rollover industry by Bloomberg cites numerous examples of advisors preying on retirees rolling their 401(k) money into IRAs. One expert claims that IRAs are the “Wild West,” with limited oversight and regulation.


By Fred Barstein5/22/2014 • 0 Comments

While assets in IRAs are larger than assets in DC plans, the vast majority of their growth comes from rollovers, according to research from EBRI. Of the 2.4 million accounts that received contributions, 1.3 million came from rollovers — but those accounts had 10 times the amount of contributions. READ MORE

By Fred Barstein5/12/2014 • 0 Comments

IRA rollovers continue to grow at a steady pace, according to Cerulli’s latest report, “Retirement Markets 2013: Data & Dynamics of Employer-Sponsored Plans.” In 2012, there was an estimated $321.3 billion in IRA rollovers, up 7.3% from the previous year; Cerulli estimates that 2013 will be even larger, at $357.7 billion, up 11.3%. READ MORE

By Fred Barstein4/2/2014 • 0 Comments

One of the issues for online advice services is that their ambitions are much larger than their AUM. While NextCapital has overcome that hurdle by focusing on rollovers from 401(k) plans, it has yet to figure out a way to charge individual account holders, according to a report by RIABiz. READ MORE

By John Iekel4/1/2014 • 2 Comments

Plan participants with multiple IRAs are on borrowed time if they want to make more than one tax-free rollover from one IRA to another. Beginning Jan. 1, 2015, they can make only one, as Sarah Sise and Sheldon Smith of Bryan Cave note. READ MORE

By John Ortman3/26/2014 • 0 Comments

There's good news and there's bad news on the IRA rollover front. The good news: The regulatory agencies and industry groups with jurisdiction over IRAs -- the DOL, the SEC and FINRA -- seem to be getting on the same page, diminishing the likelihood of conflicting mandates from multiple regulators. The bad news: They seem to be moving in the direction of the DOL's approach to rollovers, increasing the likelihood of yet another participant disclosure mandate. READ MORE

By Fred Barstein3/10/2014 • 0 Comments

Fred Reish asks whether the DOL, SEC and FINRA are working together on IRA rollovers, or whether they have independently reached the same conclusion — that the act of advising whether a plan participant should take a rollover should come under greater scrutiny. READ MORE

By Fred Barstein3/3/2014 • 2 Comments

In an unprecedented move, Charles Schwab sent notice to 401(k) clients worth a total of more than $25 billion that it was terminating their relationships because the record keeper was not allowed access to plan participants. READ MORE

By John Iekel2/7/2014 • 0 Comments

Recent guidance from the IRS and a pointed reminder from FINRA illustrate the increased frequency and importance of rollovers, not to mention the fact that they are piquing the interest of federal regulators and industry groups. READ MORE

By John Iekel2/3/2014 • 1 Comments

In a Jan. 28 ruling, the Tax Court reminds us that holders of multiple IRAs are limited to one tax-free rollover in a single year. Moreover, holders of multiple IRAs take their chances if they follow an example in IRS Publication 590 that suggests that under certain circumstances, taxpayers with multiple IRAs can make more than one tax-free rollover in the same year. READ MORE

By Fred Barstein1/28/2014 • 0 Comments

According to research from Cogent involving more than 4,000 affluent investors, $280 billion is expected to be rolled over into IRAs this year. Key life events are the major trigger for rollovers by these investors, whose decisions are driven by low fees and expenses from their IRA provider, ease of process, brand and an existing relationship. READ MORE

By Fred Barstein1/23/2014 • 0 Comments

In December, FINRA issued a notice (Regulatory Notice 13-45) reminding broker dealers of their responsibilities concerning rollovers, signaling their intent to focus more on this area. This week, FINRA issued an alert to investors cautioning them about issues surrounding rollovers, including “no fee” claims and conflicts of interest, as well as the options investors have and the tax consequences that accompany them. READ MORE

By John Ortman12/30/2013 • 0 Comments

FINRA issued a regulatory notice Dec. 30 “reminding firms of their responsibilities” when recommending a rollover or transfer of assets from an employer-sponsored plan into an IRA. Regulatory Notice 13-45 also addresses marketing IRAs. READ MORE

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