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008    020820s2003    nju           001 0 engs  
010      2002013470 
020    1576601269|qalkaline paper 
035    (OCoLC)50496330 
040    DLC|beng|cDLC|dBAKER|dBTCTA|dYDXCP 
042    pcc 
043    n-us--- 
049    GWKA 
050 00 HD7105.45.U6|bM32 2003 
082 00 332.024/01|221 
100 1  Malaspina, Margaret A.,|d1944- 
245 10 Cracking your retirement nest egg (without scrambling your
       finances) :|b25 things you must know before you tap your 
       401(k), ira, or other retirement savings plan /|cMargaret 
       A. Malaspina. 
246 3  Twenty five things you must know before you tap your 
       401(k), ira, or other retirement savings plan 
246 30 25 things you must know before you tap your 401(k), ira, 
       or other retirement savings plan 
264  1 Princeton, NJ :|bBloomberg Press,|c2003. 
300    217 pages ;|c24 cm 
336    text|btxt|2rdacontent 
337    unmediated|bn|2rdamedia 
338    volume|bnc|2rdacarrier 
500    Includes index. 
505 0  Introduction : get your exit strategy ready. Understanding
       the basics -- Cast your retirement savings into the right 
       role. Decide whether your primary goal is to generate 
       income from your retirement savings or to preserve as much
       of its value as you can for the next generation -- Know 
       the facts about your pension and retirement savings plans.
       It's easier to maximize your income, lower your taxes, and
       avoid penalties if you understand your pension and 
       retirement savings plans. Get the essentials in order -- 
       When to get started-and how. Give yourself two to five 
       years to put your investment strategy in place, six months
       to one year to get paperwork in order -- Organization, 
       consolidation, and paperwork. You need a "back-office" 
       plan to make your job easy and convenient -- How to choose,
       change, and keep track of your beneficiaries. Your 
       beneficiary form is the will for your retirement account. 
       Keep it in a safe place. Types of retirement plans -- Your
       workplace pension plan. Think about your goals and your 
       skills before you choose how you want to take retirement 
       income from a pension plan -- Individual retirement 
       savings accounts. Even if you have never had an IRA, 
       chances are there could be one in your future -- Small 
       business retirement savings plans. Similar rules, but 
       fewer protections, apply to small business retirement 
       plans. Know the rules for rollovers and withdrawals -- 
       Rollovers and withdrawal options for 
505 0  How to Create Your Income Strategy. Limit your first 
       withdrawal to 3 percent to 5 percent and raise the dollar 
       amount you withdraw to keep up with inflation -- When an 
       annuity makes sense. An annuity can guarantee you income 
       for life, but costs and health of the issuer vary widely -
       - When a Roth IRA conversion makes sense. It's a great, 
       tax-savvy way to pass on wealth to your heirs. But the 
       window of opportunity for conversion may be small -- When 
       you don't need your retirement savings for income. You 
       need a special strategy to maximize wealth transfer and 
       minimize taxes. Special Situations -- Early withdrawals 
       from your retirement savings. You can get around the 10 
       percent penalty tax -- Company stock in your retirement 
       accounts. You could reduce your tax bill by about a third 
       on this asset, a very good deal if the stock has 
       appreciated strongly -- For women only. Women fall behind 
       during their retirement savings years and need strategies 
       to catch up because they live longer than men -- When your
       partner is not your spouse. A domestic partnership 
       agreement affords protection when you are separated by 
       death -- When you inherit retirement assets. Two 
       imperatives : preserve the tax-deferred growth, and don't 
       touch a penny until you know the rules -- Your retirement 
       assets as part of your estate. A proper beneficiary form 
       is essential, and a trust may help you accomplish special 
       goals. 
650  0 Pension trusts|zUnited States. 
650  0 Pension trusts|xTaxation|zUnited States. 
650  0 Pension trusts|xLaw and legislation|zUnited States. 
650  0 Old age pensions|zUnited States. 
650  0 Old age pensions|xTaxation|zUnited States. 
650  0 Old age pensions|xLaw and legislation|zUnited States. 
650  0 Social security|zUnited States. 
650  0 Retirement income|zUnited States. 
650  0 Finance, Personal|zUnited States. 
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