Training topics include the following


Essential Tips for Saving Taxes and Avoiding Penalties on IRAs and Other Retirement Savings Accounts

Earnings accrue in IRAs on a tax-deferred basis. For Roth IRAs, qualified distributions of these earnings are tax-free.  This tax treatment is the feature that often serves as an encouragement for individuals to accumulate their retirement savings in these accounts. However, years of savings and tax deferred growth can be lost because of mistakes and missed opportunities. Advisors who can help their clients avoid making such mistakes- or help them correct them when possible- are considered invaluable IRA resources to those who benefit from their expertise.

The objective of this course is to help you be one those advisors. The goal is to help you identify transactions that could cause avoidable penalties, and understand the steps that can be taken to ensure clients do not engage in such transactions.

Topics include new rules on moving money between IRAs and other retirement accounts

Strategy for converting after-tax funds tax-free, without the pro-rata rule being applied

Strategies that beneficiaries can use to circumvent restrictions on stretch IRA strategies


Rollovers Strategies for Asset Consolidation in retirement accounts  : Rules, Limitations and Exceptions for IRAs and other retirement accounts

An explanation of the rules and regulations that govern the movement of assets between retirement accounts. This includes rollovers between qualified plans, rollovers between IRAs and rollovers between qualified plans and IRAs.  Includes traps that should be avoided, withholding rules, and rolling to a Roth vs. a traditional IRA 


Beneficiary Options for IRAs and Employer Sponsored Retirement Plans:-Designations, Distributions and Avoiding Traps

An explanation of the rules and regulations that govern beneficiary designations, costly mistakes that are often made, and how to help clients avoid making such mistakes


How to Avoid and/or Correct The Top Ten Distribution Mistakes Made with IRAs and Employer Plans

An introduction to the basic concepts of distributions from IRAs and employer sponsored retirement plans, including when and how distributions can be made.


Effective Strategies for Avoiding RMD Mistakes and Penalties  

An explanation of the rules that govern required minimum distributions (RMD) for IRAs and employer sponsored retirement plans, such as 401(k)s and 403(b)s, including the roles and responsibilities of interested parties.  


How to Avoid Traps and Penalties for Early Distributions from IRAs and Other Retirement Accounts

An explanation of the early distribution penalty that applies to distributions that occur before the retirement account reaches age 59 ½ , the exceptions that apply to such penalties, and the differences in the application of the exceptions for IRAs vs employer sponsored retirement plans.


Three Critical Roth Conversion Rules Every Advisor Should Know

An explanation of the Roth conversion rules, and the requirements that apply to conversions based on the type of account being converted


How to Avoid Taxes and Penalties for Roth IRA Distributions  

An explanation of the distribution rules that apply to Roth IRA.


How to Use Small Business Retirement Plans to Grow Your Business

A comparison of the features and benefits that apply to retirement plans that can be adopted and maintained by small businesses, with a focus on defined contribution and IRA based plans.


SEP IRAs: From Suitability to Operational Requirements

An introduction to the rules and operational requirements that apply to SEP IRAs


Rules for Contributing to Multiple Retirement Plans

(Increase your AUM by increasing your clients’ retirement nest eggs).

According to reports, 66 percent of working families fall short of conservative retirement savings targets. The odds are, many Americans will have no choice but to have a working retirement because they simply do not have enough saved to fully retire.

But, what if you can help your clients get from behind this retirement eight ball, by showing them how to double up on plan contributions?

This solution is not for everyone. But, for those who are eligible, the results can be quite rewarding.

Consider the client who can afford to contribute $53,000 to each of two retirement plans.

That’s a nest egg of $1.3 Million after 10-years and $3.5 million after 20 years (assuming a conservative rate of return of only 5%).

Come and join us as we discuss how to identify eligible clients, and how to avoid the pitfalls of ‘ineligibly doubling up’ on plan contributions.

253 Silvertop Drive
Grayson, GA 30017

Telephone: 973-313-9877

(C) Appleby Retirement Consulting Inc 2006-2023
Terms of Use
  |  About Denise Appleby  |  Media &Press
Legal  |  Delivery & Return Policy  |  Contact Us

Powered by Wild Apricot Membership Software