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The Tools and Information needed to

Learn About Your Retirement Accounts

Looking for simplified answers to questions about your IRAs, Roth IRAs and 401(k)s?

You’ll find them here.

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The Top 3 Rules You Must Know
Before Doing any Transactions with Your Retirement Accounts

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Distributions + Roth Conversions

Early Distribution + RMD + Roth Accounts

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Beneficiary Options

Spouse beneficiary + nonspouse + nonperson

The Cost of Mistakes

Know
The
Risks

10% Penalty

Exceptions

The early distribution penalty that applies to distributions taken before you reach age 59 ½ . Know the exceptions.

6% Excise Tax

Ineligible contributions

The cost of exceeding your contribution limits. 6% excise per year unless properly corrected.

RMD excise tax

Owners and Beneficiaries

The cost of not taking required distributions by the applicable deadline.

Term Of The Day

Definition Contribution in excess of the statutory limit: For IRAs, contributions are limited to the lesser of 100% of compensation or the dollar limit in effect for the year. Contributions in excess of this amount are excess contributions. Click here for the IRA limits. See NIA for information about removing earnings with excess IRA contributions For 401(k) plans, excess contributions are those that cause the plan to fail the Actual Deferral Percentage Test Individuals who make sala…

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IRA Rules
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