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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 IRS Form 8880 is used to figure out the amount of Saver’s Credit for which an individual is eligible, and includes a built in formula that helps the taxpayer determine the amount. The Saver’s Credit can be claimed in addition to deduction received for traditional IRA contribution. Referring Cite IRS Form 8880 :Credit for Qualified Retirement Savings Contributions Additional Helpful Information Employers are encouraged to tell their employees about the credit. Employers can in…

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IRA Rules
Change