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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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Start Here

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 These accounts are no longer called Education IRAs. Under S. 1190, the name was changed to  Coverdell Education Savings Account (CESA) also called Education Savings Account (ESA). CESA is a tax-deferred savings account,  created or exclusively for the purpose of paying the qualified education expenses of an individual who is the designated beneficiary of the ESA. An ESA must be must be  designated as an ESA at the time it is established. The following are some of the rules…

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IRA Rules
Change