Recommendations & StrategiesCâu 75 / 100
An adviser must recommend a suitable rollover for a client leaving an employer with a 401(k). The option that generally preserves tax deferral without immediate taxation is:
a.Taking a full cash distribution
b.A direct rollover to a traditional IRA
c.Withdrawing and spending the funds
d.Converting to a Roth and ignoring the tax bill
Giải thích
A direct rollover from a 401(k) to a traditional IRA preserves tax deferral and avoids immediate taxation and withholding. A cash distribution triggers taxes and possible penalties. A Roth conversion is taxable, so the client must plan for that liability.
Luyện miễn phí toàn bộ 100 câu hỏi — không cần đăng ký.
Câu hỏi liên quan cùng chủ đề
- When comparing two portfolios with the same return, the one with the LOWER standard deviation is generally considered:
- An investor is subject to the alternative minimum tax and holds private-activity municipal bonds. The adviser should note that interest on certain private-activity bonds may be:
- A client nearing retirement wants to gradually reduce portfolio risk. A glide-path approach would:
- A high-net-worth client asks how to reduce estate taxes through lifetime giving. The adviser should mention:
- An adviser evaluates a mutual fund's performance against a benchmark index. The value that shows how closely the fund tracks the benchmark is best captured by:
- A client holds appreciated stock and wishes to donate to charity in a tax-efficient way. Donating the appreciated shares directly, rather than selling first, generally allows the client to:
Cập nhật gần nhất: · quy trình kiểm tra
Đội Ngũ Biên Tập PrepPass · Đối chiếu với NASAA Series 66 Uniform Combined State Law Exam · Quy trình kiểm tra