Headlines about "Ret plans - design"

Gathered from the web by the editors at BenefitsLink.com.
Most 403(b) Sponsors Kept Match During the Downturn
Excerpt: "Nearly three-fourths (73.4%) of 403(b) plan sponsors said in a recent poll that they did not change their employer match during the 2008-2009 plan year -- and that seems to have shored up participation as well. A news release said the poll, from the Profit Sharing/401k Council of America (PSCA), also found that 43% of plan sponsors surveyed say they increased employee education because of the economic conditions. Another 17% added investment advice for employees." (PLANSPONSOR.com)

Program Materials from WISER's Annual Retirement Security Symposium Now Available
WISER's annual retirement security conference materials on 'Pulling It All Together: What Government, Employers, and Individuals Can Do to Strengthen Women's Retirement Security,' held December 3, 2009. (WISER)

[Opinion] Report by Towers Watson that Compared Differences in Investment Results Between 401(k) Plans and Defined Benefit Plans
Excerpt: "[W]hen you look at the full Towers Watson analysis, the result is more nuanced. Over the [time period] it has been conducting this analysis, Towers Watson noted that DB plans do better (on a relative basis to 401(k)s) when the markets are bearish -- and yet, 401(k) results, with all their faults and shortcomings, tend to fare better (at least at a plan average) when the bulls are in charge." (PLANSPONSOR.com)

Former Alaskan State Workers Get Last Chance for Retirement Plan
Excerpt: "Attention ex-government workers: You've got one last chance to get back into the state's old -- and much more generous -- retirement system. A deadline of June 30 is approaching for tens of thousands of former state, municipal and school district workers who cashed out their retirement accounts under the famed Tier 1 system, as well as the two retirement plans that followed." (The Anchorage Daily News)

[Opinion] Pension-Exchanges for IRAs and 401(k)s Would Strengthen President Obama's Initiatives
Excerpt: "[H]ere's a federalist 'public option' for the Treasury to consider -- a way for [states to provide retirement savings options] for the citizens of their respective states. I use the term 'public option' advisedly . . . . Treasury could first allow any state treasurer or statewide pension system to exchange a citizen's 401(k), 401(a), 403(b), 457 or IRA securities portfolio for a taxable retirement pension. States would have to adopt qualifying statutes to authorize these arrangements." (Governing)

[Guidance Overview] IRS Employee Plans Exam Projects
Excerpt: "EP Examination Projects - Learn, Educate, Self-Correct and Enforce (LESE) Projects: These examinations are small and quick projects wherein returns selected for audit contain issues of interest in a particular segment. Form 5500 returns selected for LESE examinations are based on 'judgment sampling.' These examinations do not involve selection of returns through statistical sampling methods, but involve the random selection of approximately 50 examinations. The goal of this program is to apply the focused examination concept to LESE examinations to test and measure plans' compliance levels." (McKay Hochman Co.)

[Guidance Overview] Roth Conversion Reporting
Excerpt: "With the Pension Protection Act of 2006 permitting funds in a qualified plan, 403(b) or governmental 457(b) to be directly rolled to a Roth IRA as of 2008, provided the AGI was under $100,000 and, if married, the taxpayers filed jointly; there have been many questions about reporting these transactions on Form 1099-R. Coupled with the relatively new designated Roth source and the new Roth Conversion rules for 2010, there has been even more confusion about reporting the various transactions on Form 1099-R. [The target page provides] some fact sets and examples of Form 1099-R reporting." (McKay Hochman Co.)

Text of Brief for Secretary of Labor As Amicus Curiae Supporting Defendant-Appellant Matschiner and Requesting Reversal
Excerpt: "The question presented in this case falls within that authority: whether, in light of the decision in Kennedy v. DuPont, 129 S.Ct. 865 (2009), holding that plan administrators must distribute benefits to beneficiaries in accordance with plan documents, ERISA either permits or requires a pension plan administrator to disregard a validly-executed beneficiary designation because the plan lacks a formal procedure through which a designated beneficiary can refuse benefits." (U.S. Department of Labor)

Los Angeles City Pensions Since Early Retirement Incentive Program: The Facts, The Figures, The List
Excerpt: "In the first six months after City Hall offered the Early Retirement Incentive Pprgram, 625 workers have actually retired with pensions averaging more than $1,000 a week with 32 of them getting pensions in excess of $100,000 a year, according to records obtained by OurLA.org. On June 26, 2009, the Mayor and City Council approved enhanced pensions with five years extra service credit and $15,000 in cash to 2,400 employees -- more than 10 percent of the civilian work force who are enrolled in the LACERS pension fund." (OurLA.org)

Utah State Workers Rally Against Bills to Change Retirement Benefits for Future Hires
Excerpt: "They argue that cutting pension benefits for future workers and removing a 1.5 percent 401(k) match for state and school workers would stifle recruitment and retention efforts." (The Salt Lake Tribune)

Boston, Massachusetts Police Force Retirements Spike After Bonuses Cut
Excerpt: "Boston police and other departments across the state are grappling with a sharp increase in the number of officers resigning or retiring as the state slashes a generous bonus program that had boosted police paychecks for years." (The Boston Globe)

[Opinion] Pennsylvania Budget Must Deal with Pension Gap
Excerpt: "When Gov. Rendell proposes a new budget for Pennsylvania on Tuesday, he's going to have to stuff something in the wide, ugly gap between what the state has promised to pay future state and school retirees, and what the state has set aside to pay them. Will Rendell ask taxpayers to pay more? Or future retirees to accept less?" (Philly Online, LLC.)

San Diego Will Put DROP Program to the Test; Looking for Cost Savings
Excerpt: "When San Diego's city leaders created a benefit in 1997 that allowed employees to collect pension payments in a special account even before retirement, they included a requirement that the program be studied within three years to make sure it made financial sense. Thirteen years later, the study is getting under way, haltingly." (SignOnSanDiego.com)

The Unloved Annuity Gets a Hug From Obama Administration
Excerpt: "President Obama did not discuss annuities in his State of the Union address on Wednesday night, probably figuring that viewers had enough problems staying awake. But the mere mention of them by the task force was enough to send executives at the insurance companies that sell the products into paroxysms of glee." (New York Times; free registration required)

West Virginia State Legislators Tackle Bill to Encourage Retirement Savings
Excerpt: "Senate Bill 437 would allow the state to set up Voluntary Employee Retirement Accounts, or VERAs. This program is designed to get more people saving for retirement, by giving workers without an employer-sponsored retirement plan a way to automatically deduct money from their paychecks." (West Virginia Public Broadcasting)

The Impact of Automatic Enrollment on 401(k) Match Rates: A Methodological Note
Excerpt: "We recently completed a study showing that employers with autoenrollment have lower match rates than those without it, suggesting that employers may be trying to offset their higher costs. In contrast, the Employee Benefit Research Institute finds that employers with automatic enrollment have increased match rates since 2005. The two studies measure different concepts and use different time frames. A large sample of 401(k) plans reporting match rates before and after autoenrollment is needed to fully understand employer responses." (Urban Institute)

Palm Beach County, Florida, Divided on 'Double Dipping' Loophole
Excerpt: "Despite a loophole that lets county employees retire only to return a month later and begin collecting salary and retirement checks at the same time, some county agencies have banned the practice." (The Palm Beach Post)

[Opinion] Obama's Automatic IRA, Annuity Schemes Would Be A Disaster
Excerpt: "'Given that fewer than 5% of the population contributes to personal IRAs, why would they choose to do so in the workplace?' said White, the author of America, Welcome to the Poorhouse. 'What's more, why are America's employee forced to bankroll their own retirement, rather than requiring higher employer contributions?'" (Jane White via Retirement-Solutions, LLC)

[Opinion] ASPPA Comments Filed with DOL Requesting Clarification of Application of Exemption from ERISA Coverage for Certain 403(b) Arrangements
5 pages. Excerpt: "ASPPA recommends that in light of advances in technology since Regulation ?2510.3-2(f) was first issued, DOL release 'informal' guidance to clarify that an additional relevant circumstance to be considered in applying the 'reasonable choice' requirement is recognition that an open architecture platform be judged by looking through the 'portal' to the funding media, funding products and annuity contractors available to employees on the platform." (American Society of Pension Professionals & Actuaries)

[Guidance Overview] The Universal Availability Requirement for 403(b) Plans (PDF)
Excerpt: "An employee's right to defer is not universally available unless the employee is provided an effective opportunity to defer. Whether an employee has an effective opportunity is determined based on all the relevant facts and circumstances, including notice of the availability of the election, the period of time during which an election may be made, and any other conditions on elections." (Benefit Consultants Group)

The New Economic Reality and the Workplace Retirement Plan: Sixth Annual Workplace Report on Retirement Planning (PDF)
12 pages. Excerpt: "Perhaps the most striking finding in this Workplace Report . . . was that 84% of Americans say the time is ripe for enhanced, redesigned workplace retirement plans. In fact, across the board, workers appear eager to embrace automated features. At Prudential, we take that as a clear mandate to 'redefine retirement,' so that once again workplace retirement plans can adequately and appropriately support the retirement dreams of millions of American workers." (Prudential Retirement)

Some Considerations When Reinstating Your 401k Match
Excerpt: "As companies begin to evaluate their programs to reinstate the match, [the target page lists] several key areas that employers should pay particular attention to . . . ." (Rick Meigs via 401khelpcenter.com, LLC)

'3 at 50' Plan Could Triple Rialto, California's Unfunded Pension Liability
Excerpt: "An increase in the retirement benefits for police and firefighters that is set to begin next year will almost triple the city's unfunded pension liability, according to a cost analysis by the California Public Employees Retirement System. The '3 at 50' plan which allows policemen and firefighters with 30 years of service to retire as early as age 50 and collect up to 90 percent of their highest annual salary will boost the unfunded liability from $9.7 million to $26.8 million . . . ." (San Bernardino Sun News)

Estimated 2010 Required Contributions and Credit Balances: Internal Plan Survey Data and Analysis
Excerpt: "This report updates our October 1, 2009 report on the funded status and contribution requirements for single employer defined benefit pension plans. Our goal in developing this update is to highlight some of the funding challenges faced by plan sponsors starting in 2010 and the potential effects of some funding relief proposals pending in Congress." (Mercer LLC)

[Guidance Overview] Definition of Compensation for Retirement Plans, W-2 Compensation, and Section 415
Excerpt: "[The W-2 definition of compensation] reflects Box 1 of Form W-2, 'Wages, tips, and other comp.' This is the number a taxpayer uses to complete Form 1040. However, for 415 purposes (and for purposes of the various Code sections which are based on the 415 definition of compensation, such as the top-heavy rules), the plan must add back in elective deferrals." (SunGard Relius)

Obama Administration Creating Programs to Increase Americans' Retirement Savings and Income
The administration efforts includes a proposed automatic IRA, increased tax credits, guaranteed lifetime income options, and new 401(k) regulations. (AP via msnbc.com)

Five Proposals in Obama's Budget for Retirement Savers
Excerpt: "President Obama's budget for fiscal year 2011 includes many proposals aimed to help workers prepare for retirement. Here's a look at the retirement projects the White House is asking Congress to fund." (U.S. News & World Report)

Why Did Some Employers Suspend Their 401(k) Match?'
Excerpt: "The brief's key findings are: During 2008-09, over 200 employers suspended their 401(k) matches, affecting 5 percent of active 401(k) participants. Liquidity constraints rather than profitability concerns appear to be the reason." (Center for Retirement Research at Boston College)

[Official Guidance] Text of Request by EBSA and IRS for Information Regarding Lifetime Income Options for Participants and Beneficiaries in Retirement Plans (PDF)
6 pages. Excerpt: "What are the advantages and disadvantages for participants of selecting lifetime income payments through a plan (in-plan option) as opposed to outside a plan (e.g., after a distribution or rollover)? . . . What are the advantages and disadvantages from the standpoint of the plan sponsor of providing an in-plan option for lifetime income as opposed to leaving to participants the task of securing a lifetime income vehicle after receiving a plan distribution? . . . How commonly do plan sponsors offer participants the explicit choice of using a portion of their account balances to purchase a lifetime annuity, while leaving the rest in the plan or taking it as a lump sum distribution or a series of ad hoc distributions? Why do some plan sponsors make this partial annuity option available while others do not?" (Employee Benefits Security Administration; Internal Revenue Service)

[Guidance Overview] Roth IRAs: Recharacterization Rules for IRA Contributions
Excerpt: "This [Technical Update] discusses additional rules relating to recharacterization and reconversion of IRA contributions." (SunGard Relius)

Fiduciary and Audit Requirements Still Hazy for 403(b) Sponsors
Excerpt: "Although the new regulations governing 403(b) plans are already in effect, many plan sponsors admit to not fully understanding certain compliance requirements. The TIAA-CREF Institute said its survey found nearly three-quarters (74%) of respondents believe they are fully compliant with the new regulations. However, nearly half (45%) say they have difficulty understanding the regulations." (PLANSPONSOR.com)

[Guidance Overview] Unlike Most Investment Decisions, If Roth Conversion Doesn't Go As Well, You Can Have a 'Do Over'
Excerpt: "[W]hat if a client converts in 2010 and the account continues to lose value after the conversion? The tax due on the Roth IRA is based on the value of the account at the time of conversion, so your client would face a higher tax bill. This is the kind of situation where you can take a 'do over.' The Roth recharacterization rules provide that a poor performing Roth account can be recharacterized back to a Traditional IRA, with no income tax consequences, until as late as Oct. 15 of the year following the year of the conversion." (On Wall Street)

Special Report on Pension & Retirement Benefits: Playing Catch-Up
Excerpt: [H]ere's the problem: To avoid workers lingering longer in their jobs just to beef up their retirement accounts, employers need to be better problem solvers and get workers to save enough money to be self-sustaining through retirement. That has been the core issue ever since defined-contribution plans became the No. 1 way employees save for retirement." (Workforce Management; free registration required)

Ten New Year's Resolutions Defined Contribution Plan Sponsors Should Make Now
Excerpt: "Mercer has published a '10 for 2010' checklist of New Year's resolutions defined contribution (DC) plan sponsors should make now to address investment and plan-design concerns, fulfill fiduciary responsibilities and help participants meet their retirement objectives." (Mercer LLC)

[Guidance Overview] Guidance for Implementing Provisions of the HEART Act
Excerpt: "The HEART Act provides that in the case where an employer pays differential wage payments to a participant on QMS, these amounts are treated as compensation for purposes of qualified retirement plans, Section 403(b) contracts, and Section 457(b) plans. The Notice clarifies that employers are not required to treat differential wage payments as compensation in determining a participant's benefit under a Plan." (McGuireWoods LLP)

401(k)s for Solo Businesses
Excerpt: "Their biggest benefit is they often allow for higher retirement-savings contributions than other plans. They also have less-complicated contribution rules than a Keogh, which offers high contribution potential but may require the expense of an actuary and extra paperwork." (The Wall Street Journal)

[Opinion] Beware Factual Conclusions That, However Reasonable, Aren't Supported by the Facts
Excerpt: "[Recently, Urban Institute research] drew a not-unreasonable conclusion -- that automatic enrollment could lead to situations where employers reduced their matching contributions. . . . However, there's a problem: Last week, the Employee Benefit Research Institute (EBRI) put out a report that claimed exactly the opposite; that, in fact, automatic enrollment has led to a HIGHER rate of match, at least among large plan sponsors." (PLANSPONSOR.com)

[Guidance Overview] Federal Court Rules Participants not Due Additional Benefits Based on Defective Summary Plan Description
Excerpt: "The court pointed out that the SPD included a caveat that it was only a summary and that participants should refer to the master plan document for more information. In addition, Northrop held Town Hall meetings in which the benefits calculations, including the offset, were discussed, and participants had received a summary of material modifications which described benefits calculations, including the offset." (PLANSPONSOR.com)

New Jersey Insiders Use Board Seats for Pension Qualification
Excerpt: "New state employees have to earn at least $7,500 a year to stay in the pension system, and that is way too low. Part-timers should be excluded. Political hangers-on from times past can stay in for as little as $1,500 a year. When they raised the minimum to $7,500, the ones already at the public trough were grandfathered in." (CourierPostOnline.com/Courier-Post)

Michigan's State Budget Director's Letter to State Employees Describing Changes to State Workers' Retirement Options
Excerpt: "State employees who are members of the defined benefit (DB) plan will experience the following changes effective October 1, 2010: [A] 3 percent employee contribution will be reinstated. Earned service credit capped at 30 years. Employees continuing in state service beyond 30 years will be moved to a defined contribution (DC) plan for any additional years of service accrued after September 30, 2010, excluding what is purchased by the employee." (WILX.com)

Vermont Teacher Retirement Deal Would Save $15M a Year
Excerpt: "Teachers would pay more toward their pensions and have to work longer before retiring but would receive increased benefits under a plan legislative leaders unveiled Friday, saying it will save the state $15 million a year. The state's largest teachers union and state Treasurer Jeb Spaulding worked together to forge the compromise that lawmakers said will help solve a shortfall in the pension fund." (The Burlington Free Press)

[Opinion] Knowing How Much Your Current Savings Level Might Actually Produce in Retirement Income Dollars Is Critically Important
Excerpt: "[A]s a general rule, I'm leery about government-mandated disclosures, which tend to cost more and inform less than their erstwhile sponsors surely intend . . . . But this could well be an exception. The sponsors of the Lifetime Income Disclosure Act have directed the Department of Labor to issue tables that employers may use in calculating an annuity equivalent, as well as a model disclosure -- and they have provided that employers and service providers who rely on those materials would be insulated from liability arising from those disclosures." (PLANSPONSOR.com)

[Opinion] Cadillac Retirement Plans Are Killing New York City
Excerpt: "[T]axpayers have footed ever-increasing bills for pension and health benefits that are far more lavish than in the private sector. Consider these facts: From 2001 to 2010, the city's pension contributions climbed 466%, from $1.2 billion to $6.8 billion. Had those expenses tracked inflation - which rose 21% - the city would be looking at a $5 billion budget surplus. More than enough to beef up service while handsomely reducing taxes." (NYDailyNews.com)

U.S. Supreme Court Hears Xerox Pension Arguments
Excerpt: "The case, Conkright v. Frommert, revolves around a 1999 lawsuit filed in U.S. District Court by Xerox employees and retirees who claimed a company policy hacked their retirement benefits to a fraction of their former value. The policy had to do with how to calculate the pensions of workers who left Xerox, received a lump-sum retirement payment, and then returned to Xerox and began earning retirement benefits again." (DemocratandChronicle.com)

Big Payout, to Lawyers, in United Airlines Case
Excerpt: "The $44 million payday coming for some United Airlines pilots next week from the settlement of a pension dispute will include a $16.4 million payout for their Illinois lawyers. . . . They represented 2,200 senior United pilots who claimed in a December 2006 federal lawsuit filed in Chicago that they were shortchanged by their union in a distribution of pension benefits related to the airline's bankruptcy." (The National Law Journal)

Critical Vote for San Francisco Pension Reform
Excerpt: "What we said: ''Mayor Gavin Newsom and Supervisor Sean Elsbernd deserve praise for taking on the politically delicate - but fiscally responsible - issue of pension reform.' . . . What their plan does: Forces the city to start setting aside money to cover future obligations to retirees; uses a three-year average to calculate pensions, thus reducing instances of 'spiking'; requires newly hired public safety employees to pay more of their pension costs." (San Francisco Chronicle)

Saving to Retire: Should It Be Pre-tax, After-tax or Roth?
Excerpt: "This analysis considers the following three options: Pre-tax (IRA, 401(k)): pre-tax contributions grow tax-deferred; distributions are subject to applicable tax; Taxable ('savings account' or 'side fund'): after-tax contributions are taxable based on the nature of the invested asset and extent of time the asset is held; Roth (Roth IRA, Roth 401(k)): after-tax contributions grow tax-free; distributions are tax-free." (Barry R. Milberg)

[Opinion] How Washington Might Change Your 401(k)
Excerpt: "To help investors steer clear of steep fees, better disclosure would be a great place to start. Reform recommendations have included requiring plans to disclose and itemize fees at least once a quarter, and making all plans offer at least one low-cost index fund." (The Motley Fool)

[Guidance Overview] Second Circuit Holds Pension Benefit Reduction Does Not Violate Due Process Clause of U.S. Constitution (PDF)
Pages 7-8 of 8 pages. Excerpt: "On January 13, 2010, the U.S. Court of Appeals for the Second Circuit found that the City of Waterbury, Connecticut, did not violate the due process clause of the U.S. Constitution in negotiating a collective bargaining agreement that reduced pension benefits for city firefighters (Walker v. Waterbury, 2d Cir., No. 09-2104-cv, unpublished 1/13/10)." (Gabriel Roeder Smith & Company)

New Jersey Senate Democrats Promise Pension Reforms
Excerpt: "The reforms include rolling back a 9 percent pension benefit increase the Legislature enacted in 2001 and requiring part-time workers to enroll in a plan other than the state pension system. The pension system is underfunded by about $34 billion and in danger of becoming insolvent unless fixes are made. Any reforms would affect future employees, not those already in the system." (BusinessWeek)

Colorado Lawmakers Approve State Pension Rescue Plan
Excerpt: "The measure (Senate Bill 1) would increase contributions from employers by 1.5 percent, contributions from employees by 2.5 percent and reduce cost of living increases from 3.5 percent to 2 percent. There would be a one-year cost of living time-out tied to inflation to give the fund time to recover." (Forbes.com LLC)

Obama to Propose 'Automatic Workplace IRAs'
Excerpt: "The new IRAs are designed for employers that do not currently offer a retirement savings plan. Under the plans, which would be voluntary, employees would be automatically enrolled in a direct-deposit IRA unless the employee opts out. Contributions would be matched by the Saver's Tax Credit for eligible families." (Employee Benefit Adviser; free registration required)

Charges Dismissed for Five Former San Diego Pension Board Members
Excerpt: "However, the court concluded that the case against former firefighters union leader Ronald Saathoff could go forward, according to the San Diego Union-Tribune. The court ruled that Saathoff was in a different position than the other five because he secured an agreement with the city that allowed him to combine his salary as a union official with his city salary in order to calculate his ultimate retirement benefit . . . ." (PLANSPONSOR.com)

Massachusetts Govenor Files 2nd Pension Overhaul Plan
Excerpt: "The governor believes it is constitutionally permissible to apply some provisions of his bill to current and future state employees, including plans to pro-rate benefits, the anti-spiking provisions, requiring members who re-enter the system to purchase creditable service within one year or pay a higher interest rate; collecting pension payouts from convicted retirees; increasing scrutiny of individual retirement legislation; and charging retiree health insurance to prior employers." (Boston Herald)

[Guidance Overview] 9th Circuit Rules that ERISA/Code Survivor Protections Do Not Carry Over to an IRA
Excerpt: "Comment: It has long been thought that the ERISA/Code automatic surviving spouse rules do not carry over (or otherwise apply) to an IRA, with respect to amounts transferred to the IRA from a qualified retirement plan (such as a 401(k) plan), or with respect to any other amounts. Thus, the Court's decision is not a surprise. I like the use of the interpleader to resolve disputes over funds and ownership. Allowing the Court to decide the dispute lets the bank or other financial institution avoid paying amounts out of the IRA (or any plan or arrangement at issue) to the wrong individual, and later having to pay the right individual those same amounts out of its own pocket." (Stanley D. Baum of Fellheimer & Eichen LLP)

Proposal for Cuts to Colorado State Pension Fund to Be Heard Today
Excerpt: "A proposal that calls on current and future government workers to make sacrifices to save their pensions is up for a hearing today. . . . Senate Bill 1 calls for raising the retirement age, reducing or eliminating cost of living raises, and increasing contributions from employees and their employers, the taxpayers." (The Denver Post)

The Great Recession and the State and Local Government Workforce
Excerpt: "Hiring freezes, pay freezes, layoffs, and furloughs top the list of ways that local and state governments are cutting costs, according to a Center for Excellence online survey of government managers. States and local governments also have made significant changes in their benefit offerings." (Center for State and Local Government Excellence)

Why the 401k Will Prevail: Innovations in Retirement in 2010
Excerpt: "[The target page is a discussion on] how the 401(k) program will continue to adapt and improve to meet the needs of the American workforce. The positive effects introduced by the Pension Protection Act of 2006 will be complemented by assured income products, increased fee transparency, and extended coverage to more Americans." (Profit Sharing / 401k Council of America via Scribd)

[Guidance Overview] How to Recharacterize an IRA Contribution
Excerpt: "Recharacterization of an IRA contribution means treating a contribution made to one type (traditional or Roth) of IRA as made to a different type of IRA for the taxable year. An individual may recharacterize all or a portion of an IRA contribution. A taxpayer may recharacterize a contribution made either to a traditional IRA or to a Roth IRA." (SunGard Relius)

12 Traps to Avoid When Converting to a Roth IRA
Excerpt: "'Roth conversions can trigger unintended tax traps and financial problems that are not being addressed in the mounds of 2010 Roth conversion information that currently dominates the media,' Ed Slott wrote recently in his newsletter, 'Ed Slott's IRA Advisor.' These traps may make you reconsider when to convert, how much to convert, or even if you should convert at all. Here are some of the traps that Slott says await the uninformed." (MarketWatch, Inc.)

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