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Avoid Costly IRA Rollover Mistakes

Many people need to roll over an IRA at some point—whether due to changing jobs, inheriting an IRA, or consolidating retirement accounts. But did you know that simple mistakes in the rollover process can lead to unnecessary taxes, penalties, and financial setbacks? Today, we will walk through the ten most common IRA rollover mistakes so you can make informed decisions and protect your retirement savings. First, one of the biggest missteps is using a 60-day rollover instead of a direct transfer between accounts. The IRS allows only one 60-day rollover per year across all your IRAs, and missing that 60-day deadline could mean an unexpected tax bill. Instead, opting for a direct transfer eliminates this risk. Second, if you're a non-spouse beneficiary, you cannot roll an inherited IRA into your own account. Many make the costly mistake of taking a lump-sum distribution, which can create an unnecessary tax burden. Setting up an inherited IRA is the right approach to stretch the tax advantages over time. For spousal rollovers, timing is everything. Rolling over an IRA too soon—before age 59½—can trigger early withdrawal penalties. On the other hand, waiting too long and failing to do the spousal rollover after reaching 59½ can lead to missed planning opportunities. If you're rolling over a 401(k) into an IRA, explore all your options. Many individuals overlook the Net Unrealized Appreciation (NUA) tax break for company stock, which could save them thousands in taxes. Also, if you receive a 401(k) distribution personally, your employer is required to withhold 20% for taxes, even if you plan to roll the funds over. Another common mistake involves after-tax contributions in employer plans. Many people mistakenly roll these funds into a traditional IRA, missing the opportunity to transfer them into a Roth IRA tax-free. Proper allocation of pre-tax and after-tax amounts is essential for maximizing tax efficiency. Roth conversions can be powerful, but they need to be strategic. Many don't realize that converting an IRA to a Roth IRA increases taxable income, which could push them into a higher tax bracket. Additionally, Required Minimum Distributions (RMDs) cannot be converted, and SIMPLE IRAs have a two-year waiting period before conversion is allowed. If your employer allows in-plan Roth conversions, it's important to calculate the tax impact beforehand. Many people convert funds without considering how it affects their tax bill, or they fail to check if a Roth IRA conversion would be a better alternative. The 60-day rule is another common pitfall. If you miss the deadline, you could owe taxes and penalties on the full amount. While the IRS does offer self-certification for late rollovers, it's much safer to complete a direct transfer instead of risking a deadline mistake. For those going through a divorce, rolling over a QDRO (Qualified Domestic Relations Order) distribution into an IRA can be a misstep. QDRO distributions taken directly from a 401(k) before age 59½ avoid the 10% early withdrawal penalty—but rolling them into an IRA removes that benefit. Also, it's important to note that QDROs don't apply to IRAs, only employer-sponsored plans. Finally, if you're considering rolling IRA funds back into an employer plan, be aware that only pre-tax funds are eligible. Many fail to check if their plan accepts IRA rollovers or if it restricts future withdrawals, which could limit access to those funds. An IRA rollover can be a great financial move, but one mistake can be costly. To avoid these pitfalls, download our free guide: "Top 10 IRA Rollover Mistakes," and get expert insights to help you confidently navigate your retirement decisions. https://rfgwealthadvisory.com/wp-cont... If you have questions about your IRA rollover, Roth conversions, or other retirement planning needs, we're here to help. Financial Success Doesn’t Happen by Chance Contact one of our advisors to schedule a virtual consultation to discuss your particular questions. RFG Wealth Advisory is an independent, fee-only Registered Investment Advisor dedicated to putting our clients' best interests first. We have a simple, transparent fee structure that’s easy to understand. Don't let an IRA rollover mistake derail your retirement—call us today! 940-464-4104 Our RFG Blueprint Process: https://relayto.com/susan-dawson/rfg-... Investment advice is offered through RFG Wealth Advisory, a Registered Investment Advisor. #independentfinancialadvisor, #registeredinvestmentadvisor, #Texasfinancialadvisor, Investment advice is offered through RFG Wealth Advisory, a Registered Investment Advisor.

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