Dolans.com

Even if you have a good grasp on your IRA and you know how to proceed with your contributions and withdrawals, some confusing special situations can arise.

We know that a subject that involves talking about death is absolutely no fun. In fact, it's a little depressing, but very necessary. You owe it to yourself and, most of all, to your heirs to suck it up and make some smart estate planning decisions that will pay huge dividends when you're gone.

It's been a heck of a year, hasn't it? We've had plenty of ups and downs, which is why we want to help you kick off 2009 on a high note. The clock is ticking, so don't waste another minute to get started with our top 10 smart money moves.