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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 Husband and wife , whose status of being married are defined under federal , who file a joint tax return.  A joint tax return can be filed even if one of the spouses has neither gross income nor deductions. Referring Cite IRC §  6013, IRS Instructions for Filing Tax Returns available at www.irs.gov Additional Helpful Information Generally, a married couple may not file a joint return if the following applies: either the husband or wife at any time during the taxable year…

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IRA Rules
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