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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

An eligible designated beneficiary is a designated beneficiary who, at the time of the IRA owner or plan participant's death,  is : A. the surviving spouse of the IRA owner or plan participant, B. a child of the IRA owner or plan participant who has not reached the age of 21 . Once the child reaches age 21, that child becomes a regular designated beneficiary, C. disabled. D. chronically ill, or E. not described in any of the preceding requirements, who is not more than 10 years yo…

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IRA Rules
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