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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 Account established under a qualified plan,  403(a), 403(b) or governmental 457(b) plans to receive Roth IRA or Traditional IRA contributions . Contributions to a deemed IRA are voluntary, and are subject to the same tax reporting rules that apply to regular IRAs. Simplified employee pension (SEP) IRAs and SIMPLE IRAs may not be used as deemed IRAs. If the account or annuity meets the requirements applicable to traditional IRAs the account or annuity is deemed to be a trad…

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