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IRA Rollovers & Other Services
Making the Right Choices for Your IRA
Whether you're just beginning to save for retirement or ready to retire and take distributions from your IRA, your A.G. Edwards Financial Advisor can help guide you as you make decisions about your retirement savings.Selecting Investments for Your IRA
As with all aspects of investing, developing a strategy for your IRA based on your goals and unique situation is crucial to helping you meet those goals. Your Financial Advisor can help you develop an asset allocation strategy for your IRA and, using that strategy as a guide, he or she can work with you to select the investments for your retirement portfolio, keeping your specific needs and goals in mind.401(k) & IRA Rollovers
Whether you're changing jobs or retiring, there are many benefits to consolidating the retirement savings you've accumulated in your former employer's plan or various IRAs into a single IRA, including:• More flexibility in the investments you can select
• Easier management of your savings
• Consolidated reporting and account statements
Your Financial Advisor can help you decide whether a 401(k) or IRA rollover is right for your particular situation and help you understand IRA rollover rules.
Choosing Your IRA Beneficiary
The retirement savings you've accumulated in your IRA may represent a substantial portion of your life savings, whether you plan to use them to help provide for a comfortable retirement or pass them on to your heirs. That's why choosing the beneficiary or beneficiaries for your IRA is so important. Before you make that decision, take time to determine how you want your retirement savings handled after your death. The choices you make today directly affect how distributions will be made to your heirs and the effect income taxes will have on those distributions. Your Financial Advisor can provide you with the information you need to make this crucial decision.Stretching Out the Benefits of an Inherited IRA
Whether you're an IRA owner or a beneficiary inheriting an IRA, careful planning is critical for providing the flexibility you want and the potential for continued tax deferral with an IRA. An IRA beneficiary will have several decisions to make depending on the IRA owner's age at the time of death and the beneficiary's relationship to that person -- and he or she may have to make such decisions during a time of personal loss. Your Financial Advisor can help you navigate through the information you need as well as provide you with a IRA stretch-out analysis, which can help you make informed decisions about the IRA.Taking Distributions From Your IRA
When you retire or reach the age when the law requires you to take distributions from your traditional IRA, you'll discover that managing those distributions is no easy task, mainly because of all the rules involved. Your Financial Advisor can provide you the information you need as well as help you make the appropriate decisions based on your current and future financial needs. Ask him or her for a retirement distribution analysis, which can help you develop a strategy that's best-suited for your unique situation.