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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 Adjusted gross income (AGI) is the amount that is properly reflected on the last line of page 1 of IRS Form 1040 or 1040A. The line number is different for Form 1040EZ.  In the case of an individual, AGI is gross income minus the following deductions: Trade and business deductions Certain trade and business deductions of employees Reimbursed expenses of employees Certain expenses of performing artists Certain expenses of officials Certain expenses of elementary …

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IRA Rules
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