Why Consider a Reverse Rollover? Discover 4 Additional Benefits Alongside RMD Exemption!

Does it make the most sense for your situation to do a standard rollover when you retire or could you benefit from a 'reverse rollover'? Either with a 401k, 403b, or TSP, a reverse rollover can be a powerful option for some retirees. You can schedule an appointment with one of our Retirement Experts to look at your situation and help you plan for your future. Call us at (920) 544-0576 or go to Many retirees are quite familiar with a normal 401k to IRA rollover. This will be the most common type of rollover most individuals will use. But this doesn't mean it's the best option for EVERYONE. Did you know there are benefits to reversing this process and doing reverse rollover (IRA to 401k rollover, IRA to 403b rollover, or IRA to TSP rollover)? What are some of these benefits? 0:00 What is a Reverse Rollover? 0:51 Reason #1 - Early Access 2:28 Reason #2 - Backdoor Roth IRA 4:25 Reason #3 - RMD Exemption 5:46 Reason #4 - Creditor Protection 6:28 Reason #5 - Unique Investment Options Every retirement is different and therefore, the best strategies for every retirement will vary. Using strategies like a reverse rollover can allow you to use the 401k Rule of 55/TSP Rule of 50, gain an RMD exception, and more... Watch this video to learn how this is possible. #IRARollover #RetirementIncomePlanning #RetirementTaxPlanning #RMDException #RMDExemption - - - - - - - - - - - - - - - - - - Always remember, "You Don't Need More Money; You Need a Better Plan" 🍿 Subscribe to our channel: 🏆 Join our Weekly Email Video Series: 📈 Talk with us about your retirement plan here: 📚 The New 60/40: How the Next Generation of Retirees Can Achieve Radical Financial Freedom through Better Safe Investing - Safeguard Wealth Management is a Registered Investment Advisor in the State of WI. Safeguard Wealth Management is not an insurance provider. All content on Youtube is for informational purposes only and should not be taken as personal advice for your situation. You can read more disclosures at ...(read more)

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RMD Exemption?! – And 4 Other Reasons to Do A Reverse Rollover A reverse rollover, also known as a reverse IRA rollover or reverse conversion, is a financial strategy that allows individuals to move money from their traditional IRA or 401(k) plan back into their employer's qualified retirement plan. This method is gaining popularity due to the many advantages it offers, including the RMD (Required Minimum Distribution) exemption. In this article, we will discuss RMD exemption and four other reasons why a reverse rollover may be a beneficial option for retirement planning. 1. RMD Exemption: Once an individual reaches the age of 72, they are required to withdraw a specific amount from their traditional IRA or 401(k) each year, known as the RMD. These distributions are subject to income tax, potentially increasing an individual's tax liability, even if they do not need the funds for their living expenses. However, by executing a reverse rollover, the funds are moved back into an employer's qualified retirement plan, making them exempt from RMD rules. This ensures that individuals can maintain control over their retirement savings and potentially save on taxes in their golden years. 2. Lower Fees and Enhanced Investment Options: Employer-sponsored retirement plans often have lower fees compared to individual retirement accounts, particularly for those with a larger plan size. By executing a reverse rollover, individuals can benefit from these lower fees, potentially leading to higher returns on their investments. Additionally, employer-sponsored plans often provide a wider range of investment options, including company stock and other attractive alternatives. Taking advantage of these options can diversify one's portfolio and potentially increase growth opportunities. 3. Protection from Creditors: Another advantage of utilizing a reverse rollover is the increased protection from creditors. While IRA funds are generally protected up to a certain limit in the event of bankruptcy, funds held within an employer-sponsored retirement plan often receive greater protection. By moving funds into a qualified retirement plan, individuals can shield their assets from potential creditors, offering greater peace of mind. 4. Avoidance of Required Withholding: When extracting funds from a traditional IRA or 401(k), the IRS mandates a certain percentage of withholding taxes. This means that a portion of the withdrawal will be withheld and sent directly to the IRS, potentially causing liquidity issues. However, by opting for a reverse rollover, individuals can avoid this required withholding, ensuring that they have access to the full amount of their retirement savings when needed. 5. Simplified Management and Estate Planning: Maintaining multiple retirement accounts can become complex and overwhelming, both in terms of record-keeping and estate planning. By consolidating assets into a single employer-sponsored retirement plan through a reverse rollover, individuals can simplify the management of their retirement savings. This can also streamline the estate planning process, making it easier for beneficiaries to access and distribute the funds according to the individual's wishes. In conclusion, a reverse rollover offers several compelling reasons to consider this strategy for retirement planning. From the RMD exemption to lower fees, enhanced investment options, protection from creditors, avoidance of required withholding, and simplified management and estate planning, individuals can leverage these benefits to potentially maximize their retirement savings. As always, it is recommended to consult with a financial advisor or tax professional to evaluate if a reverse rollover aligns with your financial goals and situation. https://inflationprotection.org/why-consider-a-reverse-rollover-discover-4-additional-benefits-alongside-rmd-exemption/?feed_id=146651&_unique_id=652e3a30039e2 #Inflation #Retirement #GoldIRA #Wealth #Investing #401krollover #401krollovermistakes #401krolloveroptions #backdoorroth #Backdoorrothiratutorial #backdoorrothproratarule #exemptfromrmd #howtorollirainto401k #howtorollovera401k #irato401krollover #irato403brollover #iratotsprollover #proratarule #RetirementIncomePlanning #rmdexception #rmdexemption #rollover401k #rolloverira #ruleof55401k #thriftsavingsplan #tspreverserollover #tspruleof50 #whatisabackdoorroth #RolloverIRA #401krollover #401krollovermistakes #401krolloveroptions #backdoorroth #Backdoorrothiratutorial #backdoorrothproratarule #exemptfromrmd #howtorollirainto401k #howtorollovera401k #irato401krollover #irato403brollover #iratotsprollover #proratarule #RetirementIncomePlanning #rmdexception #rmdexemption #rollover401k #rolloverira #ruleof55401k #thriftsavingsplan #tspreverserollover #tspruleof50 #whatisabackdoorroth