Cedar Rapids Gazette in Cedar Rapids, Iowa

Retirement money flow toward lower fees and consolidated accounts

A couple aged 43 weigh consolidating brokerage assets into the Thrift Savings Plan for lower costs. They consider moving $283k in the C Fund and related Roth and traditional IRAs, debating optimal platforms and fee reduction. A retirement planning expert notes 2.9 basis points vs 20 basis points and suggests spreading RMDs across 2016 and 2017 to optimize tax outcomes.