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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 A conversion that is recharacterized in the year that follows the year in which the conversion was done. For example: A conversion that is done in 2017 and recharacterized in 2018 is an outstanding recharacterization for calculating 2018 RMDs. Recharacterizations are required to be completed by the individual’s tax filing deadline, including extensions. Individuals who file their tax return by the due date receive an automatic six-month extension, bringing the deadline to October…

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IRA Rules
Change