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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 Legislation signed into law on August 17 2006, for which the primary goals was to protect and enhance the retirement savings and pension provisions. Changes enacted under PPA 06 include the following: Change the IRC 402(f)  notice requirement from 30 to 90-day range to 30 to 180-days , effective for plan years beginning January 1, 2007 Made permanent the retirement provisions of the Economic Growth and Tax Relief Reconciliation Act of 2001 (EGTRRA) – which was signed in…

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IRA Rules
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