Photo Credit – Joan Amero

IRA Distribution Planning

Few issues are more critical to retirement planning success than the proper care and handling of IRA Distribution requirements. Now, more than ever, you need an investment advisor and wealth manager with proven expertise in retirement distributions and income planning. At Mulligan Capital, we can help tackle these critical and often overwhelming retirement planning challenges by:

  • Determining when to begin required minimum distributions
  • Scheduling optimal Roth contributions, conversions, and withdrawals
  • Handling IRS reporting requirements when errors occur
  • Managing eligible “qualifying rollover distributions"
  • Investing inherited IRAs and spousal rollovers in the most tax-efficient manner
  • Managing non-spouse inherited IRAs and the “five-year rule”
  • Taking advantage of early IRA withdrawals and IRC Sec.72t exceptions
  • Managing sixty-day rollover relief
  • Understanding “year of death” required distributions
  • Selecting beneficiaries and multiple IRA beneficiaries
  • Dealing with custodial glitches
  • Making the most of IRA and retirement benefits—conduit trusts and accumulation trusts
  • Working with net unrealized appreciation (NUA) rules