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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 As it relates to a first time home buyer,  is the date  on which a binding contract to acquire the principal residence, or the date on which construction or reconstruction of such a principal residence is commenced. A first-time homebuyer distribution used to buy, build or rebuild a principal residence that is a first-time home, is not subject to the early distribution penalty. Referring Cite IRC §72(t)(2)(F); Additional Helpful Information A principal residence may include a …

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