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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 Amounts withheld from distributions paid to an owner or beneficiary, from an IRA or employer plan account. Rules for Withholding Tax The rules for withholding vary, depending on the type of retirement account. In general: Withholding from IRA distributions is voluntary, which means that the IRA owner or beneficiary can choose whether or not to have taxes withheld. Except for annuities, federal withholding from IRA distributions must be at least 10% of the gross distribution am…

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IRA Rules
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