181. Tax Information For Retirement Plans retirement Plans, Tax Information for retirement Plans. Extension Gota comment or suggestion about the retirement Plans content? Is http://www.irs.gov/retirement/

@import url("/irs/cda/common/commonStyleSheet/0,,,00.css"); Home Tax Stats About IRS Careers ... Help Search IRS Site for: Search Forms and Publications for: Tips for successful searching Home Retirement Plans Individuals ... Tax Professionals Retirement Plans Newsletters Published Guidance Correction Educational Services ... Taxpayer Advocate Retirement Plans Tax Information for Retirement Plans Third Report of the ACT - June 9, 2004 The third report of recommendations of the Advisory Committee on Tax Exempt and Government Entities (ACT) on five issues concerning employee retirement plans, charities and other tax-exempt organizations, tax-exempt bond issuers, and federal, state, local and Indian tribal governments is now available. New Tools to Help Small Businesses Manage Retirement Plans IRS News Release IR-2004-69, 05/17/2004, announced two new tools: Check-Ups and a newsletter for employers (Retirement News for Employers) - the inaugural edition was issued 05/14/2004. 401(k) Plans for Small Businesses Information is now available to help small business owners who sponsor a 401(k) plan better understand their responsibilities in establishing and operating their plans. EP Abusive Tax Transactions The IRS is engaged in extensive efforts to curb abusive tax shelter schemes and transactions. A listing of those transactions which require disclosure and other resources have been provided.

182. Current Edition Of The Employee Plans News retirement Plans. Current Edition of the Employee Plans News. TheEmployee Plans News is a periodic newsletter with retirement plan http://www.irs.gov/retirement/article/0,,id=96731,00.html

@import url("/irs/cda/common/commonStyleSheet/0,,,00.css"); Home Tax Stats About IRS Careers ... Help Search IRS Site for: Search Forms and Publications for: Tips for successful searching Home Retirement Plans Individuals ... Tax Professionals Retirement Plans Newsletters Published Guidance Correction Educational Services ... Taxpayer Advocate Retirement Plans Current Edition of the Employee Plans News The Employee Plans News is a periodic newsletter with retirement plan information for retirement plan practitioners - attorney, accountants, actuaries and others - from Employee Plans (Tax Exempt and Government Entities (TE/GE) at the IRS). The freely available Adobe Acrobat Reader software is required to view, print and search this file. Note to Adobe Acrobat 4.0 and 5.0 Users: This newsletter contains web links. Be sure that the "Open WebLinks" option (for 4.0, under "File, Preferences, Web Capture"; for 5.0, under "Edit, Preferences, Web Capture") is set to "In Web Browser", otherwise Adobe will convert the accessed web pages to "pdf" format and "add" them to the newsletter file. Issue Highlights Release Date Special Edition,

183. ING Retirement Plans risks, and charges and expenses of the variable product and its underlying fundoptions; or mutual funds offered through a retirement plan, carefully before http://www.ingretirementplans.com/

184. Welcome To Selectaretirementplan.org Select a Plan is an interactive tool for selecting a retirement plan. retirementPlanning Basics provides a general guide for you and your employees. http://www.selectaretirementplan.org/

Home Glossary Cosponsors Search ... Sitemap Welcome Establishing a retirement plan could be one of the smartest business decisions you'll ever make. No matter what size business you own, a retirement plan can help you gain significant tax advantages and attract and retain great people. And, just as important, the right plan could be the key to giving both you and your employees the secure retirement you've earned. With the helpful tools and straightforward facts you'll find in this site along with our interactive Select a Plan section choosing and implementing the right retirement plan is easier than you might think. Plans and Advantages gives you a quick overview of the available plans and their benefits. Select a Plan is an interactive tool for selecting a retirement plan. Retirement Planning Basics provides a general guide for you and your employees. Resources offers you helpful links. This website is brought to you in the public interest through an effort of the U.S. Department of Labor, the U.S. Small Business Administration, the U.S. Chamber of Commerce and Merrill Lynch. The information provided through this website should not be construed either directly or indirectly as an endorsement or promotion of any products, services, activities or policies of any of the cosponsor organizations. Select a Plan Retirement Planning Basics Resources Back to Top Send questions and comments about the website to webmaster@selectaretirementplan.org.

185. Home Page Form a host of financial products and services to help you plan for your of companiescomprising VALIC Financial Advisors, Inc.; VALIC retirement Services Company http://www.aigvalic.com/valic2000/valicweb.nsf

186. Invest FAQ:Retirement Plans:Roth IRA This article from The Investment FAQ discusses retirement plans, specificallyroth ira. ); );. Subject retirement Plans Roth IRA. http://invest-faq.com/articles/ret-plan-roth-ira.html

Navigate ..FAQ home ..search Articles ..index ..previous ..next ..full text Browse ..the bookshelf Join ..the email list Surf ..invest links Tour ..for beginners ..for investors ..for traders About ..what is it? ..what's new? ..contributors ..contact info Subject: Retirement Plans - Roth IRA Last-Revised: 31 Jan 2003 Contributed-By: Chris Lott ( contact me ), Paul Maffia (paulmaf at eskimo.com), Rich Carreiro (rlcarr at animato.arlington.ma.us) This article describes the provisions of the US tax code for Roth IRAs as of mid 2001, including the changes made by the Economic Recovery and Tax Relief Reconciliation Act of 2001. Also see the articles elsewhere in the FAQ for information about the Traditional IRA The Taxpayer Relief Act of 1997 established a new type of individual retirement arrangement (IRA). It is commonly known as the "Roth IRA" because it was championed in Congress by Senator William Roth of Delaware. The Roth IRA has been available to investors since 2 Jan 1998; provisions were amended by the IRS Restructuring and Reform Act of 1998, signed into law by the president on 22 July 1998. Plans were amended again in 2001. This article will give a broad overview of Roth IRA rules and regulations, as well as summarize the differences between a Roth IRA and an ordinary IRA. A Roth individual retirement arrangement (Roth IRA) allows tax payers, subject to certain income limits, to save money for use in retirement while allowing the savings to grow tax-free. All of the tax benefits associated with a Roth IRA happen when withdrawals are made: withdrawals, subject to certain rules, are not taxed at all. (This is in sharp contrast to a traditional IRA.) Stated differently, Roth IRAs convert investment income (dividends, interest, capital gains) into tax-free income. There are no tax benefits associated with contributions (no deductions on your federal tax return) because all contributions to a Roth IRA are made with after-tax monies.

187. Invest FAQ:Retirement Plans:Traditional IRA This article from The Investment FAQ discusses retirement plans, specificallytraditional ira. ); );. Subject retirement Plans Traditional IRA. http://invest-faq.com/articles/ret-plan-trad-ira.html

Navigate ..FAQ home ..search Articles ..index ..previous ..next ..full text Browse ..the bookshelf Join ..the email list Surf ..invest links Tour ..for beginners ..for investors ..for traders About ..what is it? ..what's new? ..contributors ..contact info Subject: Retirement Plans - Traditional IRA Last-Revised: 24 Jan 2003 Contributed-By: Chris Lott ( contact me ), Dave Dodson, David Hinds (dhinds at hyper.stanford.edu), Rich Carreiro (rlcarr at animato.arlington.ma.us), L. Williams (taxhelp at hawaiicpa.com), John Schussler (jeschuss at erols.com), John Lourenco (decals at autodecals.com) This article describes the provisions of the US tax code for traditional IRAs as of mid 2001, including the changes made by the Economic Recovery and Tax Relief Reconciliation Act of 2001. Also see the articles elsewhere in the FAQ for information about Roth IRA and Education IRA accounts. An individual retirement arrangement (IRA) allows a person, whether covered by an employer-sponsored pension plan or not, to save money for use in retirement while deferring taxes on the account's earnings. Stated differently, a traditional IRA converts investment income (interest, dividends, and capital gains) into ordinary income. Taxes are assessed at time of withdrawal. Funds in an IRA may be invested in a broad variety of vehicles such as stocks, mutual funds, and bonds. Because an IRA must be administered by some trustee, most people are limited to the investment choices offered by that trustee. For example, an IRA at a bank at one time pretty much was limited to CDs from that bank. Similarly, if you open an IRA account with a mutual-fund company, that account is probably restricted to owning funds run by that company. Certain investments are not allowed in an IRA, however; for example, options trading is restricted and you cannot go short.

188. OPM Federal Retirement Benefits Or Annuity You are here Home retire. You are here Home retirement. Federal retirementPrograms Serving former Federal employees and their families in retirement . http://www.opm.gov/retire/

New User About the Agency What's New Quick Index ... Career Opportunities You are here: Home retire You are here: Home Retirement Federal Retirement Programs 'Serving former Federal employees and their families in retirement' FAQs Forms Hot Topics Library ... What's Hot and New! The menu below shows a list of online services. Find a text-only version of the list of services. How do I: Call us at: Toll-Free: (888) 767-6738 TDD Toll-Free: (800) 878-5707 In Washington, DC: (202) 606-0500 TDD in Washington, DC: (202) 606-0551 Email Address: retire@opm.gov Write us at: U.S. Office of Personnel Management Retirement Operations Center Post Office Box 45 Boyers, Pennsylvania 16017 Send comments on these pages to comment@opm.gov Office of Personnel Management Site Index A-Z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z TTY (202) 606-2532 Contact Us Forms FAQ's Last Modified: June 5, 2003

189. The Ballpark Estimate | Home Ballpark Estimate is an easyto-use, one-page worksheet that helps you quickly identifyapproximately how much you need to save to fund a comfortable retirement http://www.asec.org/ballpark/

Ballpark FAQ Tips for Completing Ballpark More Savings Tools What is the Ballpark Estimate? The Ballpark Estimate is an easy-to-use, one-page worksheet that helps you quickly identify approximately how much you need to save to fund a comfortable retirement. The Ballpark Estimate takes complicated issues like projected Social Security benefits and earnings assumptions on savings, and turns them into language and mathematics that are easy to understand. The Ballpark Estimate Introduction to Ballpark Includes a sample of a completed Ballpark Estimate worksheet. Interactive Ballpark Complete the worksheet online and let the computer do the math. Non-Interactive Ballpark Print out a copy to complete offline. Ballpark PDF Print out clean originals to share with family, friends and co-workers. This file is in pdf format and requires Adobe Acrobat for viewing and printing. Spanish Language Ballpark PDF Print out clean originals of Ballpark in Spanish. This file is in pdf format and requires Adobe Acrobat for viewing and printing. We will be adding an interactive Spanish language version of Ballpark in the near future. Reprinting Ballpark The Ballpark Estimate was designed to be easily duplicated. For anyone wanting to distribute the Ballpark Estimate to colleagues, employees, classes, etc., we encourage you to print out the pdf version and make as many copies as you need. We ask that you include the introductory page that is included in the two page pdf.

190. Social Security Retirement Suite This is an official Social Security web site with information on retirementplanning. Jump to content Social Security Online, retirement Planner. http://www.ssa.gov/retire2/

Jump to content Social Security Online Retirement Planner www.socialsecurity.gov Home Questions? How to Contact Us ... Planners Home Decide When to Retire Retirement Planner Home Benefit Calculators Eligibility Issues Near Retirement? Benefits Online ... Other Resources A secure, comfortable retirement is every worker's dream. And now because we're living longer, healthier lives, we can expect to spend more time in retirement than our ancestors did. Achieving the dream of a secure, comfortable retirement is much easier when you plan your finances. Your Social Security benefits are the foundation on which you can build a secure retirement. Most financial advisors say you'll need about 70 percent of your pre-retirement earnings to comfortably maintain your pre-retirement standard of living. Under current law, if you have average earnings, your Social Security retirement benefits will replace only about 40 percent, so you'll need to supplement your benefits with a pension, savings or investments. How the Social Security Retirement Planner can help you now This planner provides detailed information about your Social Security retirement benefits under current law and points out things you may want to consider as you prepare for the future. You can use the calculators to test out different retirement ages or different future earnings amounts. If you are already near retirement age, you'll find instructions on how to apply for benefits and what supporting documents you'll need to furnish. There is also information about how members of your family may qualify for benefits with you.

191. Taxes And Your Retirement Plans Taxes and Your retirement Plans If you are wondering how much you can contributeto your retirement plan, or what rules apply, here’sa quick way to find out. http://www.turbotax.com/articles/TaxesAndYourRetirementPlans.html

writeBeacon('tips_and_resources_articles', 'tips'); Taxes and Your Retirement Plans 401(k) Plans 403(b) Plans Keogh Plans Pension Plans ... SIMPLE IRAs 401(k) Plans Your contributions to a company 401(k) plan, up to a limit of $12,000 in 2003, do not count as income in this tax year, so you do not have to pay taxes on them, or the earnings they accumulate over the years until you withdraw the money at retirement. A 401(k) plan lets you contribute a percentage of your salary to a trust account, putting off any taxes on that money until you withdraw it, usually after age 59-1/2. Your company may also match some of your contribution, and any taxes on those matching funds are also deferred, as long as the total going into the account does not exceed the limit for the year. The earnings in the account can grow, tax free, until you withdraw the money. At that point, whatever you withdraw will be taxed as ordinary income. Example : If you are in the 25% tax bracket, and you take the maximum dollar limit for contributions you could see a tax savings of $3,000. What about Matching?

192. MnSCU Human Resources - Retirement MnSCU retirement Plans (Matrix); Comparison of 457 and 403(b) Plans; HealthCare Savings Account Plan; Defined Contribution retirement Plan. http://www.hr.mnscu.edu/retirement/

Text only 500 Wells Fargo Place 30 East Seventh Street Saint Paul, MN 55101 Phone: (651) 297-8263 Hours: 8:00am-4:30pm CST Retirement Summary of MnSCU Retirement Plans MnSCU Matrix for Phased Retirement/Part-Time Teacher Program and Annuitant Employment Program (AEP) MnSCU Retirement Plans (Matrix) Comparison of 457 and 403(b) Plans ... Retirement Links (programs, providers) Contact the Wells Fargo Administrative Services Agent Wells Fargo Regional DCR and TSA Representatives Streaming Video Presentations Defined Contribution Retirement Plan ... About Text-Only MnSCU is an equal opportunity educator and employer. Technical difficulties? Please notify linda.neudahl@so.mnscu.edu or use our feedback form Revised: April 19, 2004 11:24 AM

193. Duke HR - Retirement Plans HR Home Benefits retirement Plans. retirement Plans. Please refer to the retirementPlanning Guide for additional information. Back to Top. hr@mc.duke.edu. http://www.hr.duke.edu/benefits/retirement/

Web pages Jobs Retirement Plans Retirement Plans Home Enroll/Make Changes Retirement Plan FAQs Planning Tools Investment Carriers ... Summary Plan Descriptions Other Duke Sites Card Office Credit Union Duke Police Equity Office Information Technology Maps of Duke News/Events Parking/Traffic Payroll SAFE Training Safety Duke Human Resources 2024 West Main Street Box 90496 Durham, NC 27705 Map to HR Feedback Para informacion en espanol? ... Benefits Retirement Plans Contact Information Retirement Vendors see Investment Carriers Duke Benefits 2024 W. Main Street, Bay A Box 90502 Durham, NC 27708-0502 Phone: Fax: Email: benefits@mc.duke.edu Durham Regional Hospital HR 3643 N. Roxboro Road Durham, NC 27704 Phone: Fax: Email: sje@drh.duhs.duke.edu Duke Health Raleigh Hospital HR 3400 Wake Forest Road Raleigh, NC 27609-7373 Phone: Fax: Email: summe013@rch.duhs.duke.edu Duke contributes to your retirement... Duke offers two different types of retirement plans. Eligibility for participation in these plans is determined by whether you are paid biweekly or monthly. Both plans provide a comparable retirement income. Biweekly paid employees are eligible for two Duke retirement plans - the Employees' Retirement Plan and the Duke Savings for Retirement Plan. The

194. U.S. Department Of Labor - Find It By Topic - Retirement Plans, Benefits & Savin May 22, 2004 DOL Home Find It! By Topic retirement retirement Savings,Find It! By Topic. retirement Plans, Benefits Savings. retirement Savings. http://www.dol.gov/dol/topic/retirement/retirementsavings.htm

U.S. Department of Labor www.dol.gov Search / A-Z Index Find It!: By Topic By Audience By Top 20 Requested Items By Form ... By Location June 11, 2004 DOL Home Find It! By Topic Retirement Find It! By Topic Retirement Savings DOL Web Pages on This Topic The Department of Labor launched a Retirement Savings Education Campaign in July 1995. On the fifth anniversary of the campaign, the Department unveiled its new campaign logo and slogan, "Saving Matters." DOL has a toll-free Publication Hotline (1-866-275-7922) to distribute publications geared to educating participants and employers about saving and protecting their benefits. The Savings Are Vital to Everyone's Retirement Act of 1997, known as the "SAVER Act," directed the Department of Labor to continue its series of outreach programs on retirement savings. The SAVER Act also directed DOL to convene a National Summit on Retirement Savings co-hosted by the White House and Congress. The first summit was held on June 4-5, 1998. The second Summit was held February 27 - March 1, 2002. Please see www.saversummit.dol.gov

195. Retirement Plan Services Banknorth Investment Management Group can offer you a customized solution for yourRetirement Plan Services based on a wide range of investment options that http://www.banknorth.com/assetmgmt/business_solutions/retirement_plans.html

About Us Careers Locate a Wealth Advisor Customer Service ... Captive Insurance Search All Categories Banking Insurance Investment Planning Wealth Management Retirement Plan Services Your employees rely on you to provide retirement plans and services that will meet their needs now and later in life. As an employer, you want to provide them with the best benefits plan you can. Banknorth Wealth Management Group offers you a customized solution built on a wide range of investment options that give your employees the flexibility of a diverse group of fund families. After walking you through the initial process of setting up a retirement plan, your retirement plan advisor can act as the plan fiduciary, offering valuable trustee services that remove liability from you and your company's administration. Our retirement plan advisors are adept at understanding the unique needs of each client. Through daily valued 401(k) plans, balance forward 401(k) plans, pension plans and profit sharing plans, we can prepare a retirement plan that is appropriate for your business today and flexible enough to meet your needs in the future. We can also assist your participants with a comprehensive account services package. This includes an 800 number, a voice response system and online

196. Retirement Plans - Making Your Gift give retirement plan beneficiary gift, National Academies planned giving, IRA 401(k)residueassets, 401k, pension, estate taxes, provide income tax benefits http://www7.nationalacademies.org/giving/Use_Your_Retirement_Plan_to_Make_Gift.h

Jump to Top News Jump to Science in the Headlines Search: Subscribe to our FREE e-newsletter! NATIONAL ACADEMY OF SCIENCES NATIONAL ACADEMY OF ENGINEERING INSTITUTE OF MEDICINE ... Charitable Gift Annuities RETIREMENT PLANS WHY GIVE RETIREMENT ASSETS? Though you may enjoy many tax benefits during your lifetime from your 401(k), IRA, or Keogh plan, the assets in these retirement plans can be heavily taxed when passed on to your heirs. In addition to any estate taxes, retirement plan assets are subject to income taxes, resulting in as much as 75% of these assets going to the IRS instead of your heirs. THE NATIONAL ACADEMIES AS BENEFICIARY You can avoid this tax burden, thereby getting the most from your money, by naming the National Academies as a beneficiary. If you prefer, you can name a family member beneficiary, with the National Academies as an alternative or contingent beneficiary. Any amount that passes to the Academies will do so free of estate and income taxes. PROVIDE INCOME FOR YOUR HEIRS If you would like to provide for a family member and also help the National Academies, you can use the assets from your retirement plan to set up a

197. American Century Business Retirement Plans - 401k, 403b, SIMPLE Getting Started Strategies retirement College Education Estate PlanningTax Center Glossary, Get More from Your Business retirement Plan. http://www.americancentury.com/workshop/workplace_retirement.jsp

198. Your Complete Guide To Debt Reduction, Retirement Planning And Personal Finance http://www.geocities.com/wallstreet/exchange/1736

Learn how to eliminate all of your debt quickly and painlessly without a home equity loan! This step-by-step strategy was released in 1997 and is called the Debt Reduction Pyramid SM Best of all it is FREE! In fact, all of the personal finance strategies on this site are FREE! The page was created with you in mind. We want you to use all of the information on this site to take control of your financial future. All that we ask is to and share this information with your friends.  Our secret to success on the Internet is providing high-quality, free financial information online. We want to be your personal finance source on the Internet.  Daily Tip: Download your FREE Credit Repair Book Click Here to Get Your Free Credit Repair Book. Article Directory The Debt Reduction Pyramid. This simple strategy will teach you how to completely eliminate your credit card debt quickly and painlessly. The 7 Steps of Personal Finance These 7 steps are the groundwork for successful personal finance strategies. How to Create an Emergency Fund Learn how to create an emergency with no money.

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