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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 An arrangement under which employees can make a cash or deferred election to have money withheld from their wages and credited to their account under a qualified plan. The qualified plan is usually a 401(k) plan. A qualified CODA must satisfy certain nondiscrimination requirements, including either the actual deferral percentage (ADP) test or one of the safe harbors under §401(k)(11), (12) or (13). A CODA can be made as a result of a direct or indirect election. With a direct elec…

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