Morningstar

Natalie Choate

Natalie Choate is a lawyer in Wellesley, Massachusetts, who concentrates in estate planning for retirement benefits. Her book, Life and Death Planning for Retirement Benefits, is a leading resource for professionals in this field. The views expressed in this article do not necessarily reflect the views of Morningstar.

More From Natalie Choate

Here are nine less conventional ways to enjoy the benefits of Roth accounts.
Natalie Choate

Today's rules have created a lottery system, and those under consideration in Washington would only make things more complicated.
Natalie Choate

Charitable giving can become messy when it involves multiple beneficiaries and retirement and nonretirement assets.
Natalie Choate

Trump has an important RMD decision to make for himself this year and could provide some much-needed tax reform for the rest of us, writes columnist Natalie Choate.
Natalie Choate

Although both immediate and deferred annuity contracts can be held in an IRA, they have very different consequences under the minimum distribution rules.
Natalie Choate

There are some legal mandates for keeping IRAs separate, as well as possible beneficiary- and investment-related reasons.
Natalie Choate

Calculating required minimum distributions on Traditional IRAs, Roths, QLACs, deferred variable annuities, and SEP-IRAs is even more complicated than you might expect.
Natalie Choate

The IRS may waive the 50% penalty for required minimum distributions that were missed for 'reasonable' causes.
Natalie Choate

Remember to account for aftertax money in the plan, plan loans, life insurance, spousal consent, and more as part of the transaction considerations.
Natalie Choate

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