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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

Notification letter Definition Letter issued by the IRS or to the IRS , notifying the receiving party about the qualified status of a plan, or seeking a determination as to the qualified status of a plan. Examples of notification letters include the following: Notification Letter - A "notification letter" is a written statement issued by the Service to a regional prototype plan sponsor or mass submitter under Rev. Proc. 89-13 as to the acceptability of the form of an M&P plan and a…

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IRA Rules
Change