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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 Vesting  according to a schedule where the participant is vested at a percentage amount (that is less than 100%) each year until he/she accrues enough years of vesting-service to be 100% vested. As opposed to a cliff vesting schedule, where a participant becomes immediately 100% vested after accruing a number of years of vesting service. Example: 3-year cliff vesting: A participant is 100% vested after 3-years of vesting service 2 to 6-year graded vesting: A parti…

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IRA Rules
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