Archive - July 23, 2014

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Annuity in an IRA? Maybe, now
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SEC Q&A: How do I find out whether an investment adviser ever had problems with a government regulator or has a disciplinary history?

Annuity in an IRA? Maybe, now

Annuities can produce mountains of fees

Photo courtesy of Martin Staněk on unsplash.com.

Forever and a day, the rule of thumb has been that you should not use IRA funds to purchase an annuity – primarily because traditional annuities had the primary feature of tax deferral. Since an IRA is already tax-deferred, it’s duplication of effort plus a not insignificant additional cost to include an annuity in an IRA.  This hasn’t stopped enthusiastic sales approaches by annuity companies – plus new features may make it a more realistic approach.

Changes in the annuity landscape have made some inroads against this rule of thumb – including …

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SEC Q&A: How do I find out whether an investment adviser ever had problems with a government regulator or has a disciplinary history?

Golden Glasses

The Securities and Exchange Commission (SEC) has on their website a page entitled, “Investment Advisers: What You Need to Know Before Choosing One” which begins:

The Securities and Exchange Commission (SEC) receives many questions about investment advisers—what they are and how to go about choosing one. This document answers some of the typical questions we receive from investors about investment advisers.

Here is one of the questions and answer from that site:

Q: How do I find out whether an investment adviser ever had problems with a government regulator or has a disciplinary history?

A: Most investment advisers

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