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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 Person authorized to act on behalf of another person, usually as stated within a legal document known as a power of attorney (POA). The person giving the authority for the attorney-in-fact to act on his/her behalf is the grantor or principal. IRS Definition: An agent authorized by a person under a power of attorney to perform certain act(s) or kind(s) of acts for that person (Publication 947) Referring Cite State law Additional Helpful Information Financial institutions should…

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IRA Rules
Change