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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 An individual who owns more than 5-percent of a company. 5-percent ownership affects qualified plans in several ways. These include: A 5-percent owner is considered a highly compensated employee A 5-percent owner is considered a key employee Where a qualified plan allows participants who are past age 70 ½ and still employed by the plan sponsor, to defer their required beginning date  until after retirement, this deferment cannot apply to a 5-percent owner For requir…

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