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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 Distribution option under a qualified plan or 403(b), where annuity payments are made to the participant for his/her lifetime and continues to his/her surviving spouse. Survivor annuity for the life of the spouse cannot be  less than 50 percent of ( or more than 100 percent of) the amount of the annuity which is payable during the joint lives of the participant and the spouse Each participant: may elect at any time during the applicable election period to waive the quali…

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IRA Rules
Change