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Speaker, author, teacher, consultant: I teach/consult to financial, tax, and legal professionals about the tax laws that govern IRAs and employer plans


Rollover and Transfer Assistance for IRA Owners, Plan Participants, and Beneficiaries .



Beneficiary IRA Transfer Assistance


         
   

For a beneficiary who wants  to maintain tax-deferral of an inherited IRA or other inherited retirement account, making the wrong election or signing the wrong form can result in the inherited amount becoming immediately taxable. This mistake can be costly and often unfixable. Avoid this mistake by using The Appleby Beneficiary Transfer AssistanceBeneficiary Trasnfer Done Right Saves On Taxes Program.

The Appleby Beneficiary Transfer Assistance Program helps beneficiaries avoid ‘unintentional distributions’ and unintentional beneficiary elections.

Denise Appleby’s Beneficiary Transfer Assistance Program includes the following:

  • Participating in all conference calls regarding the inherited IRA with you and the IRA custodian. Ideally, this should start before the IRA custodian processes any transactions that involve the inherited IRA, and continue after if necessary.
  • Reviewing any and all emails, faxes and any other written communication from you to the custodian of the decedent’s IRA. This too  should start before the IRA custodian processes any transactions that involve the inherited IRA, and continue after if necessary.
  • Working with you to help ensure that any IRA established to receive the inherited IRA assets is properly established to receive transfers from the inherited IRA.
  • Working with you to ensure that transactions that are intended to be transfers do not get processed as distributions.
  • Determining whether any required minimum distribution (RMD) must be taken for the year in which the IRA owner died.
  • For spouse beneficiaries, explaining the distribution options that apply, and which option may be used to avoid the 10% early distribution penalty if applicable, and which option would result in the least amount of distribution where possible.
  • Explaining the distribution options that apply to the beneficiary(ies) of the IRA.


The  Beneficiary Transfer Assistance Program does not include tax advice or legal advice.. Clients who use the Beneficiary Transfer Assistance Program agree that they have sought or will seek tax advice and legal advice regarding the inherited IRA.

Please contact Denise for assistance with your beneficiary transfer or beneficiary rollover from an employer sponsored retirement plan


  

        

IRA / 401(k)/403(b)/457(b)/Pension Rollover Assistance

                 
   

Moving assets to or from an IRA is an inevitability. With rollovers, there are limitations, which if breached, causes unintended distributions. The best time to make sure a rollover is done right- avoiding unintended taxation- is before the rollover is initiated.                                                                                                                   

For an IRA owner or plan participant who wants  to maintain tax-deferral of their retirement account after it is moved, making the wrong election or signing/completing the wrong form can result in the amount becoming immediately taxable. Avoid this mistake by using our IRA/Employer Plan Rollover/Transfer assistance program and avoid ‘unintentional distributions’.

This program includes the following:

Participating in all conference calls the IRA custodian or plan administrator. Ideally, this should start before the any transaction is initiated.

Reviewing all emails, faxes and any other written communication regarding the transaction. This too should start before the transaction is initiated.

Working with you to ensure that transactions that are intended to be transfers do not get processed as distributions.

Determining whether any ineligible amounts are included in the account balance

Explaining the distribution options that apply to the beneficiary(ies) of the IRA.

This service does not include tax advice or legal advice.

Please contact Denise for assistance with your beneficiary transfer or beneficiary rollover from an employer sponsored retirement plan.F.


  

               


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Grayson, GA 30017

Telephone: 973-313-9877

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