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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 Brokerage account established to hold assets under a retirement plan or ESA. When establishing a retirement account, the account may be a trust account or a custodial account, and the applicable agreement must be used. For instance, a Roth Individual Retirement Custodial Account agreement or the custodians prototype agreement is typically  used to establish a Roth IRA at a brokerage firm Referring Cite Custodial agreement, IRS Form 5305-A Additional Helpful Information T…

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