Business.com
Buy Buy
Home » Directory » Human Resources » Compensation & Benefits » Retirement » IRAs

IRA Plans

Directory of individual retirement account plans and providers. Vendors listed for rollover or traditional IRAs, as well as turnkey solutions for company IRAs.
401ks Designed for Small Businesses and Individuals
Low-cost, on-demand and easy-setup plans from ShareBuilder 401(k). Plans for 1 or more priced from $15-$200/month. Get a Free Quote in minutes.
www.ShareBuilder401k.com  Save My Rating
401k Rollover is Easy
At T. Rowe Price we can do most of the paperwork. Enroll online today.
rollover.troweprice.com
The No-Hassle IRA
Easy to open, fund and invest. Apply at E*TRADE Securities.
ETRADE.com
ING DIRECT IRA Savings
Safe and Secure. FDIC Insured. Great Rates. Guaranteed Returns.
www.ingdirect.com
Ira
No Setup or Maintenance Fees. Quick Online Setup Take Control Now
TDAMERITRADE.com
Open Scottrade Ira
Select the Right IRA for Your Needs Make IRA Mgmt Easier w/ Scottrade!
www.Scottrade.com
Diverse IRA Options
IRA-Eligible CDs, Currency & Gold. FDIC-Insured Accounts Available.
EverBank.com
Use IRA/401k funds now
Use retirement funds to buy real estate, business, etc- Penalty free
www.GuidantFinancial.com
Small Business 401k Quote
Get Quotes from Leading 401k Firms. Compare Plans. Save Time & Money!
www.VendorSeek.com
Planning to Retire?
Learn What You Should Know Before You Retire - Our Advisors Can Help
www.Ameriprise.com
IRA Investments Ranked
Leading IRA Products and Firms Ranked and Ready to go.
www.HelloMetro.com
Best Financial Advisor
+10% 2008, $500k min, Take Action, Registered Investment Adviser
www.soundbridgecapital.com
A-Z IRA Plans Provider Directory
1-9 | 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
A
Affinity Group, The
Provides turnkey solutions for large corporations' individual retirement account (IRA) administration.
www.affinitygrp.com
E
Entrust Administration
Provides information and support services for self-directed individual retirement accounts (IRAs) and qualified plans.
www.entrustadmin.com
S
Roth Authors New Legislation To Promote Secure Retirements
Press release from the US Senate Committee on Finance.
www.senate.gov
Roth, Baucus Put Bipartisan Muscle Behind Bill Expanding Retirement Security For Americans
Press release from the US Senate Committee on Finance.
www.senate.gov
401ks Designed for Small Businesses and Individuals
Low-cost, on-demand and easy-setup plans from ShareBuilder 401(k). Plans for 1 or more priced from $15-$200/month. Get a Free Quote in minutes.
www.ShareBuilder401k.com
T
Self Directed IRA with Equity Trust Company
Self Directed IRA, Real Estate IRA and small-business retirement plans. A self directed IRA at Equity Trust lets you invest in what you know tax-free.
www.trustetc.com
401k Rollover is Easy
At T. Rowe Price we can do most of the paperwork. Enroll online today.
rollover.troweprice.com
The No-Hassle IRA
Easy to open, fund and invest. Apply at E*TRADE Securities.
ETRADE.com
ING DIRECT IRA Savings
Safe and Secure. FDIC Insured. Great Rates. Guaranteed Returns.
www.ingdirect.com

Guide to IRA Plans

Make the most of 401k plans, Roth IRAs and other IRA accounts


 
 

Info on IRA Plans

  • When you change jobs, you can rollover 401k plans into IRA accounts.
  • Roth IRAs are popular since distributions are tax free.
  • For Roth IRAs, there are no age restrictions; for traditional IRA plans, you can be up to 70 ½ years of age.
 
 
Employees who have 401k plans might wonder why they should worry about an Individual Retirement Account. It's simple: You can never save too much for retirement. An Individual Retirement Account is a saving plan that offers tax-advantaged growth. Some workers, however, delay participation because of confusion over the many IRA plans, such as a rollover account when you change jobs.

You can maximize your Individual Retirement Account savings, at and outside of work, with a simple three-part plan:

1. Examine the variety of IRA plans to find those that fit your overall retirement strategy.
2. Discuss Roth IRAs and 401k plans with your financial planner and workplace benefits representative before making any move.
3. Don't delay investing in an Individual Retirement Account. The earlier you start saving, the more money you'll have to enjoy retirement.



Action Steps

The best contacts and resources to help you get it done

Choose IRA plans based on your overall finances Picking the appropriate IRA plan depends on where you are now financially. Examine your current savings vehicles as part of a comprehensive retirement plan. Then take the appropriate next steps to maximize your retirement investments.

I recommend:  The Financial Industry Regulatory Authority (FINRA) offers a comprehensive online calculator to help you plan your investing strategy. Scottrade also offers a variety of online planning tools and calculators to assess where you are and which IRA plans will get you where you want to be.

Roth IRAs vs. traditional IRA plans Your choice of Roth IRAs or traditional IRA plans depends on your personal circumstances, but Roth IRAs are increasingly popular because their eventual distributions are tax free. Traditional IRA plans still appeal to some, though, because they offer an immediate tax deduction.

I recommend:  Download IRS Publication 590 and take a look at page 5, which includes a chart that shows the differences between Roth IRAs and traditional IRA plans. State Farm offers a table that compares both types of IRA accounts. Many financial services companies also offer comparisons of traditional IRA plans and Roth IRAs. Scottrade, Fidelity, T. Rowe Price and Charles Schwab & Co. all offer various IRA plans and rollover options.

Keep 401k plans working for you Employers help you reach your retirement goals via company-sponsored 401k plans. But when you leave a job, don't leave your retirement money. Take control of your company savings via a 401k rollover account. If your new job offers such plans, transfer your account to the new company. If that's not an option, move money from 401k plans into an IRA rollover account.

I recommend:  Job search site Monster has an online 401k rollover evaluator to help you decide which move to make.

After age 50, beef up contributions to IRA accounts Age has its benefits when it comes to retirement savings. If you're age 50 or older, you can 'catch up' by contributing an additional $1,000 to IRA accounts and 401k plans. Catch-up contributions are possible for all types of retirement savings vehicles, not just 401k plans, but each has special rules that must be followed.

I recommend:  The 401k Help Center answers the most common questions about catch-up contributions. USAA offers more resources and tips for your IRA accounts. AARP Financial offers a free five-minute IRA checkup to determine if your IRA plans are working hard enough for you and if you’re investing the right amount.

Tips & Tactics

Helpful advice for making the most of this Guide
  • It's usually not wise to leave 401k plans with a former employer. Many plan administrators charge fees to manage your money, regardless of whether you're still with the company or a former employee.
  • Carefully weigh whether the immediate tax break of traditional IRA plans is more important than the advantages of tax-free Roth IRAs.
  • You may put your 401k rollover amount into existing traditional IRA accounts. However, keeping your 401k rollover money separate simplifies tax recordkeeping.
  • Ensure any retirement account transfers are direct between old and new employers or via an IRA rollover. If you take direct possession of the money, you'll likely face early distributions penalties as well as owe any potential federal tax on the money.

Directory Listings  |  Web Listings  |  Advertise With Us
Checkmark

How-To Guide from WORK.COM

Guide author
By Kay Bell
Make the most of 401k plans, Roth IRAs and other IRA accounts.
Employees who have 401k plans might wonder why they should worry about an Individual Retirement Account. It's simple: You can never save too much for retirement. An Individual Retirement Account is a saving plan that offers tax-advantaged ... Read more


Sponsored Links

B2B search marketing Free B2B search marketing whitepaper, 2008 B2B Search Marketing Strategy Guide: Advice From the Pros.
To advertise on Business.com, click here

Refine Your Search

Subscribe to

Try our free weekly WhatWorks
newsletter, with business how-to advice
& resources from Work.com.

click here to view a sample issue