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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 Amounts added to a retirement account, usually as a result of the participant deferring receipt of compensation in order to have the amount added to the account, or the employer adding the amount to the account on the employee’s behalf. Forms of contributions include: Contributions to IRAs, where individuals add amounts to IRAs based on their taxable (and eligible) compensation. For traditional IRAs, contributions can be deductible, if the individual is eligible to claim the …

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IRA Rules
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