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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

What is the Maximizing The Accumulation Phase of Retirement? The period during which an individual adds to his/her nest egg. The amounts added during the accumulation phase are typically earmarked to help finance one’s retirement years. The term is also used to refer to the period during which amounts are added to annuity contracts. Additional Helpful Information About The Accumulation Phase Individuals should work with a financial planner to ensure that the amounts added to their nest …

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IRA Rules
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