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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 6-months after the 70th anniversary of an individual’s date-of-birth. The significance of age 70 ½ is that, for IRA owners and plan participants who reached age 70 1/2 before 2020,  the individual’s required beginning date is April 1, of the year that follows the year in which the individual reaches age 70 ½ , unless a permissible exception applies. The SECURE Act of 2019 increased the age to 72. And SECURE Act 2.0 increased it further. See applicable RMD age.   Referr…

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