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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 Tax treatment that applies to the gain on employer securities purchased in a qualified plan, when the distributed securities are sold . When the participant takes a distribution, the basis of the employer securities is treated as ordinary income  for the year the distribution occurs. The gain is usually not included in income until the securities are sold, at which time they are taxed at the capital gains rate. Example: Employee A has 100 Shares of Employer securities in his 4…

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IRA Rules
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