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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 RMD rule that required the RMD to be calculated using a MDIB table which assumed the beneficiary was ten years younger than the participant, and the other calculation options ,so as to determine which would produce a larger RMD amount The MDIB rule is explained in the 2000 version of IRS publication 590, available at: Click here Referring Cite IRC § 401(a)(9)(G) Additional Helpful Information The MDIB requirement is to ensure that the retirement assets were used primarily to p…

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IRA Rules
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