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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 Legal document issued by the court, appointing a legal guardian to handle the financial affairs of a person who is unable to handle such affairs due to  being physically and/or mentally incapacitated. An individual who has a durable power of attorney may negate the need to have the court appoint a conservator Referring Cite State law Additional Helpful Information The IRA custodian/trustee or plan trustee should review the document to determine whether it places any limitation…

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IRA Rules
Change