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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 IRA contribution is made by a working spouse on behalf of the other spouse who has little or no income, generally income less than the contribution limit in effect for the year. The spouse, for whom the spousal IRA contribution is made, uses the working spouse’s income as the basis for meeting the eligibility requirement (for making an IRA contribution) that an individual must have eligible compensation/income of at least the amount of contribution being made. Referring Cite …

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IRA Rules
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