The widely used distribution planning software developed by one of our advisors allows us to custom tailor a distribution plan for each holder of an IRA Rollover account. The software helps the account holder understand how tax laws may affect its own unique situation while ensuring compliance with pertinent legal requirements. We help clients that retire early, clients that retire at a more traditional age and clients that work late into their retirement years with their IRA Rollovers. We specifically:

• Determine how much money to distribute from IRA Rollovers and when to do it
• Decide if it is better to leave assets in an employer's plan or roll them into an IRA
• Evaluate the economic consequences of a lump-sum distribution of employer stock versus an IRA rollover
• Guide surviving spouses through the tricks and traps of proper ownership, distributions and beneficiary designations
• Develop strategies that stretch out distributions to maximally defer taxes
• Help clients avoid the 10% penalty on early (pre-age 59½) distributions and the 50% penalty on distributions that are less than the minimum required by law
• Advise clients that have investments in retirement plans such as IRAs, TSAs, 401(k)s and other qualified plans as well as ESOPs
• Help clients untangle the highly complex issue of naming trusts as beneficiaries

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