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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 Portion of employer contribution in which the participant is not vested, and is forfeited (returned or given up) when an employee separates from service with the employer . Referring Cite IRC § 411, IRC § 401 Additional Helpful Information Certain types of contributions are non-forfeitable, such as Qualified nonelective contributions (QNECs) , Qualified matching contributions (QMACs) ,Contributions to SIMPLE IRA and SIMPLE 401(k)s and Salary deferral contributions Cont…

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IRA Rules
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