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Essay text:
Upon retirement there is an adequate amount of money saved.
A. How much money necessary to retire?
1. Social Security verses retirement.
2. Savings Accounts verses retirement.
3. Advantages of starting an IRA early.
II. Careful selection of the heirs to the Individual Retirement Account.
A. Advantage of leaving IRA to spouse
1. Special rights as a spouse.
2. Different options the spouse has for claiming money.
III. Avoiding unnecessary taxes and penalties.
1. Recoverable trust as beneficiary.
2. Taking money out before the age of 59 1/2.
3. Penalties for leaving money in too long.
Many people often live their lives without considering how they plan to
retire...
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