Archive - August 11, 2016

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What to Do When You Have Employer Stock in Your Retirement Plan

What to Do When You Have Employer Stock in Your Retirement Plan

This article was originally published by Vid Ponnapalli on

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You changed jobs. You have funds in your ex-employer’s retirement plan that includes some employer’s stock. What should you do? Roll the funds tax-free to an individual retirement account? This may not be the best move in all cases, especially not if your employer stock has appreciated significantly.

Thanks to an often overlooked tax concept called “net unrealized appreciation” (NUA), here is a strategy that could be financially more beneficial to you: Instead of rolling over to an IRA, take an in-kind distribution of the stock. In other words, move the …

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