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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 An additional contribution that can be made to a retirement plan by a participant who is at least age-50 by the end of the year for which the contribution is being made. The following are the catch-up contribution limits, as already announced, for the types of plans for which they are allowed: Year Traditional and Roth IRA Catch-up contribution limit 401(k), 403(b) and 457(b) Catch-up contribution limit SIMPLE IRA and SIMPLE 401(k) 2007 $1,000 $5,000 $2,500 …

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IRA Rules
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