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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 6-months after the 59th anniversary of an individual’s date-of-birth. The significance of age 59 ½ is that distributions taken as of that age are not considered early distributions. Distributions taken before the retirement account owner reaches age 59 ½ are considered early distributions and are subject to the early distribution penalty unless an exception applies   Referring Cite Treas. Reg. 1.401(a)(9)-2, Q&A 3, as it relates to six months after the anniversary date …

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IRA Rules
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