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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 An employer sponsored qualified-plan, where employee benefits are intended to be  predetermined and guaranteed. Typically, a participant is promised a monthly benefit upon retirement. This amount may be a stated amount, such as $200 per month , or based on a formula that takes into consideration salary and years-of-service. An example of a benefit-formula is an 1-percent of average compensation ( averaged over the last three years-of-employment) on a monthly basis. Plan sponsors a…

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IRA Rules
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