A. A traditional IRA is a joint retirement account and a ROTH IRA is an individual retirement account.

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But he now had extra income from moonlighting and wondered whether he should use it to fund a tax-deductible SEP-IRA (a special individual retirement account for the self-employed), or should pour his extra savings into the 529s.

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First, anybody can have a traditional Individual Retirement Account, or IRA, regardless of income or whether you have another type of retirement plan.

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To maximize aid, delay converting an individual retirement account to a Roth IRA since many financial-aid offices count any converted money as income.

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D. in economics fresh out of school, when I hired Sam, an investment consultant with a major financial firm to manage an Individual Retirement Account (IRA).

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For example, if you leave an individual retirement account to a bypass trust, it cuts short the IRA's income tax deferral.

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President Obama has proposed two changes to the complicated individual retirement account rules that could be a big help for some retirees and IRA heirs.

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But some smart investors are rolling part of their 401(k) assets into an Individual Retirement Account (IRA) when leaving their employer, while tucking the company stock in a taxable account.

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