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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 A nonreportable movement of assets between retirement accounts of the same type. Generally, transfers occur between: Two traditional IRAs A traditional IRA and a SEP IRA From a SIMPLE IRA to a traditional IRA or SEP IRA, providing the SIMPLE has satisfied the two-year requirement Two SEP IRAs Two SIMPLE IRAs Two Roth IRAs Two HSAs Two ESAs Two qualified plans, where both qualified plans are maintained by the same employer. The terms of the movemen…

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