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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 direct deposit of a tax-refund into more than one accounts, where one (or more) of the accounts is an IRA. Provision- The Split Tax Refund  The split tax refund provision was created under the Pension Protection Act of 2006, and became effective for tax years beginning 2006.  Under this provision, taxpayers are allowed to have their tax refunds directly deposited into traditional IRAs, Roth IRAs and SEP IRAs as regular IRA contributions. Refunds can also be deposited to HSAs an…

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