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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 Health Savings Accounts (HSAs), created by the Medicare Prescription Drug, Improvement, and Modernization Act of 2003, are individual savings accounts, for which the amounts are intended to be used to pay for medical expenses on a tax-free basis. HSAs are used in conjunction with a high deductible health plan (HDHP). The following individuals are eligible for HSAs: Any individual that is covered by an HDHP Any individual that is not covered by other health insurance An…

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IRA Rules
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