Individual Retirement Accounts: Why Bother? September 22, 1996 Outline Thesis: When planning for retirement, Individual Retirement Accounts offer several benefits; however, careful planning is essential to ensure that: upon retirement there is an adequate amount of money saved, that the heirs to the IRA are chosen carefully, and that unnecessary taxes and penalties are avoided. I. Upon retirement there is an adequate amount of money saved. A. How much money necessary to retire? 1. Social Security verses ....

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