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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 investment product , where investors typically agree to receive a fixed rate of return on the amount invested. Amounts are usually invested for a fixed period, such as a month, a few months or a few years. The end of the investment period is referred to as the maturity date. CDs that are terminated before the maturity date may be subject to an early withdrawal penalty. This is often waived for IRAs, if the owner is at least age 59 ½ when the withdrawal occurs Referring Cite R…

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IRA Rules
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