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 retirement. 2. Savings Accounts verses retirement. 3. Advantages of …showed first 75 words of 1712 total…

…showed last 75 words of 1712 total…Your complete guide to tax-free income." Consumer Digest Nov-Dec. 1995: 22. ---. "How to retire with financial security." Consumer Digest. Sept-Oct. 1995: 60. Phaneuf, Anne M. "Start saving before it's too late (retirement savings)." Sales and Marketing Management April. 1996: 94. Rowland, Mary. "With big IRA's a wrong move can be costly." Nations Business Dec. 1995: 59. Saunders, Laura. "Endgame (IRA account management; includes related articles on taxation of such accounts)." Forbes 19 June.1995: 202. Spears, Gregory. "Making kid stuff out of IRA's (for yo