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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

What is a 401K adoption agreement? 401k adoption agreement is a section of a retirement plan document that allows the employer to choose the provisions that apply to its (employer sponsored) retirement plan. For instance, an employer may indicate in the adoption agreement that only employees who reach the age of 21 would be considered eligible to participate in the plan. For IRAs, the IRA owners complete the IRA Adoption Agreement An adoption agreement is generally completed for qualified pl…

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