Save time with our cheat sheets, fact sheets, checklists & books!

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.

Hand shake Retirement Dictionary Financial Advice Retirement Advice

Start Here

The Top 3 Rules You Must Know
Before Doing any Transactions with Your Retirement Accounts

social security icon Helping hands icon Retirement Dictionary Financial Advice Retirement Advice

Distributions + Roth Conversions

Early Distribution + RMD + Roth Accounts

Helping hands icon Retirement Dictionary Financial Advice Retirement Advice

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 recharacterization can be either of the following: Changing a regular IRA contribution from (a) a Roth IRA contribution to a Traditional IRA contribution or (b) a Traditional IRA contribution to a Roth IRA contribution Reversing a Roth conversion to a  Traditional, SEP or SIMPLE IRA . ( A recharacterization can occur to a SIMPLE IRA only if the conversion occurred from a SIMPLE IRA). This is important for individuals with conversions that has since lost value. For instanc…

Be among the first to know when

IRA Rules
Change