Save time with our cheat sheets, fact sheets, checklists & books!

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.

Hand shake Retirement Dictionary Financial Advice Retirement Advice

Start Here

The Top 3 Rules You Must Know
Before Doing any Transactions with Your Retirement Accounts

social security icon Helping hands icon Retirement Dictionary Financial Advice Retirement Advice

Distributions + Roth Conversions

Early Distribution + RMD + Roth Accounts

Helping hands icon Retirement Dictionary Financial Advice Retirement Advice

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 Test used to determine whether minimum coverage requirements are satisfied under a qualified plan (qualified retirement plan) A plan satisfies the average benefit test for the year , if it satisfies both the nondiscriminatory classification test of §1.410(b)-4 and the average benefit percentage test of §1.410(b)-5 for the plan year. Referring Cite IRC § 410(b)(2), Treas. Reg. §1.410(b)-2(b)(3),Treas. Reg. § 1.410(b)-4, Treas. Reg. §1.410(b)-5 Additional Helpful Information …

Be among the first to know when

IRA Rules
Change