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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 Annuity payment method used under an annual benefit payment from a defined benefit plan. Under this option, an annuity income stream is paid to the participant(annuitant ) and continues for the life of the annuitant. The payments ceases when the annuitant dies. Referring Cite IRC §415(b)(2)(A), IRC §415(b)(2)(B), Section 1.415-3(c)(2)(iii) of the Federal Income Tax Regulations Additional Helpful Information Also referred to as while life annuity and pure life annuity Usu…

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