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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 The disqualification of a substantially equal periodic payment (SEPP) program. If a SEPP program is modified, the taxpayer is required to pay the IRS all of the early distribution penalties that were waived under the program, plus any IRS assessed interest. If a SEPP is discontinued because the retirement account owner is disabled or deceased, that is not considered a modification. If the SEPP is discontinued because the account balance had been depleted and the SEPP was maintaine…

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