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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 IRS form used  to report the tax on the following items: A minimum funding deficiency (section 4971). Nondeductible contributions to qualified plans (section 4972). Excess contributions to a section 403(b)(7)(A) custodial account (section 4973(a)(3)). A prohibited transaction (section 4975). A disqualified benefit provided by funded welfare plans (section 4976). Excess fringe benefits (section 4977). Certain ESOP dispositions (sections 4978 and 4978A). …

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IRA Rules
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