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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 Explanation that must be provided to IRA owners when the IRA is established, regarding the performance of the investments in their IRAs. Under these requirements, where an amount is guaranteed over a period of time, or a projection of growth in value of the IRA can reasonably be made, the disclosure statement must show the amount guaranteed or projected to be made available to the benefited individual if: (1) level annual contributions in the amount of $1,000 were made on the first …

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IRA Rules
Change