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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 A party who is treated as the beneficiary of a retirement account under the default provisions of the retirement plan document. A beneficiary is a default beneficiary when the retirement account owner either fails to name a beneficiary for his/her retirement account, or is predeceased by the named beneficiary(ies) and (a) there is no contingent beneficiary and/or (b) no replacement beneficiary is named. Also known as de facto beneficiary Referring Cite The governing plan docume…

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