Financial Planning With RTN

At RTN, we can give you the financial planning tools you need to help you plan and protect your future.

  • The RTN Financial and Retirement Group is available to help you whether you’re just starting to save or you’re looking for more advanced money management tools. You can meet with an experienced financial advisor who will work with you to develop a sound individualized financial plan, at no cost and no obligation to you. You’ll also have access to an extensive online library to help you learn more about financial principles.
  • Our online Retirement Central has the information and resources to teach you what you need to know about achieving financial security in retirement, no matter where you are in life.
  • RTN offers insurance products through the Credit Union and through trusted partners to help you prepare for the unexpected.
  • Notary Public/Signature Guarantee services are offered at all of our branches. You’ll need to bring a valid government-issued photo identification like a driver’s license or passport in order to get your document(s) notarized.

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One and Done: What You Should Know About the IRA Rollover Rule Change

The Internal Revenue Service (IRS) has changed its position on the IRA (individual retirement account) rollover rule. Starting in 2015, it’s “one and done”—the IRS limits people to one rollover in a 12-month span, no matter how many IRA accounts they own. They still may make unlimited trustee-to-trustee IRA transfers.

Dennis Zuehlke, compliance manager for Ascensus, a retirement and college savings service provider, explains that in 2014, U.S. Tax Court ruling Bobrow v. Commissioner limited individuals to one IRA rollover in a 12-month period.

The ruling was a surprise because the IRS had, for more than 30 years, observed a proposed regulation—yes, a regulation that remained in the proposed stage for more than three decades—that generally permitted a taxpayer to roll over each IRA he or she owned once in a 12-month period. The IRS provided detailed examples supporting this interpretation in Publication 590, “Individual Retirement Arrangements,” a reliable resource for taxpayers and tax advisers for years.

Read more…