IRA Rollover

Christine Benz, author of “30-Minute Money Solutions,” tells Jill Schlesinger how to spot a bad 401(k) – and what to do if your company plan is not up to par.

Levy, Ehrlich & Petriello www.newark-lawyers.com Estate planning includes preparation of wills and trusts, living wills, powers of attorney, gifting issues including contributions to charitable organizations, and other issues relating to the distribution of estates. We believe estate planning should always be a part of business planning, where wills, trusts, and all aspects of an estate plan need to address both individual and business needs. Our experience sets us apart. For help planning your estate, please contact Alan Ehrlich at 973-643-0040 (Ext. 108) or by email at alan@lep-lawyers.com. Levy, Ehrlich & Petriello http E-mail: info@lep-lawyers.com Newark, New Jersey Law Office 60 Park Place, Suite 1016 Newark, New Jersey 07102-5504 Phone: 973-643-0040 Fax: 973-596-1781 New York City Law Office 555 5th Avenue, 14th Floor New York, New York 10017 Phone: 212-643-2503

AP Personal Finance Editor Trevor Delaney answers a question regarding the new rules surrounding minimum distribution rules for retirees. E-mail your questions to yourmoney@ap.org (Jan. 27)

Union Plus’s Turbo Tax Discounts make it even easier and more affordable to file online. As a labor union member, you and your family save 10%-15% when you use Union Plus Turbo Tax to prepare and file federal and state income tax returns online or with your personal computer. Keith Ervin, Union Plus Turbo Tax program rep, explains the benefits of the program and how to take advantage of the discount.

Law Offices of Hugh Duff Robertson www.lawhdr.com After a loved one passes away, the last thing that a family wishes to deal with is a complicated and costly legal process. California probate and estate administration can be a time-consuming process, but is easier to tolerate with the guidance of an experienced probate lawyer. To speak to someone who will take charge and provide you with some normalcy during the probate process, schedule a free initial consultation with the Law Offices of Hugh Duff Robertson in Los Angeles, California. The Law Offices of Hugh Duff Robertson, PC 1125 Gayley Avenue Los Angeles, CA 90024-3403 Phone (310) 824-0467

With the rise of 401(k) plans as a primary vehicle for retirement savings, many people may be wondering how to incorporate the (often) limited investment choices in their 401(k) with their overall investment plan. Joe Goldberg, director of retirement plan services for Buckingham Asset Management, explains how investors can integrate their 401(k) into the overall plan.

www.cakefinancial.com An IRA, short for Individual Retirement Account, is an investment account in which you save money for retirement. Although there are several types of iras, the most common is the Traditional IRA. How does it work? Anyone under age 70? who earns money can make contributions to a Traditional IRA. The contribution limit changes each year. Once the money is in your IRA, you can invest it in a number of different securities, such as stocks, bonds and mutual funds. As the years go by, all of the income from those investments—that is, interest, dividends, and capital gains—accumulate tax-free. As a result, your savings can really add up. You can begin taking distributions from an IRA at age 59?. At that time, you pay taxes on the withdrawals at your ordinary income tax rate. Join Cake Financial Today for FREE! http

With Ron Cohen, CPA, Partner of Greenstein, Rogoff, Olsen & Co., LLP US Phone (510) 797 8661 x237 See: www.groco.com Regarding the Internal Revenue Service Voluntary Disclosure Program for people with unreported income from Offshore bank and other financial accounts. Please note the IRS filing deadline of September 23, 2009