Ed Slott: Why a Lump Sum Beats an IRA Rollover for Some Clients

What You Need To Know

• IRA rollovers are generally best, but there are times when a lump-sum distribution makes sense.
• With its new fiduciary rule, Labor wants advisors to explain which distribution option best fits a client.
• Employees with large holdings of their company's stock might want to take advantage of net unrealized appreciation — but there's a critical mistake for advisors to avoid.