A 72(t) distribution allows penalty-free withdrawals from retirement accounts before age 59.5 by establishing Substantially Equal Periodic Payments (SEPP) over your life expectancy. Payments must continue for five years or until age 59.5, whichever is longer. — 72(t) Early Distribution Calculator Modifying or stopping payments before the required term triggers retroactive IRS penalties and interest… Read More
Category: 401(k), IRA & Retirement Account
Information on tax-deferred accounts, employer-sponsored plans, Roth conversions, and Required Minimum Distributions (RMDs). Designed to help savers understand the rules, contribution limits, and distribution strategies for retirement accounts.
What to Do With an Old 401(k) After Leaving a Job
Leaving a job, changing jobs, retiring, or recently laid off? Learn your old 401(k) options, including leaving it, rolling it to a new plan, rolling it to an IRA, or taking a distribution.
How to Find Old 401(k) Accounts
Changing jobs is common. Losing track of an old retirement account is common too. Maybe you had a 401(k), 403(b), pension, profit-sharing plan, ESOP, or other retirement plan at a previous employer. Then the company changed names, merged, switched plan providers, or stopped sending statements to your old address. The good news: there are practical… Read More
RMD Calculator: Planning Your Required Minimum Distributions
Calculate your Required Minimum Distributions (RMDs) under SECURE Act 2.0. Book an Initial Strategy Meeting to avoid costly IRS penalties.
Roth IRA Conversions: Is Converting Worth the Tax Bill?
Calculate the tax impact of converting to a Roth IRA in Utah. Schedule an Initial Strategy Meeting to analyze your long-term tax savings.
Roth vs. Traditional 401(k): Strategic Tax Decisions for High Earners
Roth vs Traditional 401(k) decision in Utah. Calculate tax savings now vs tax-free income later. Book an Initial Strategy Meeting.
Self-Employment Retirement: Solo 401(k) vs. SEP IRA
Compare Solo 401(k) and SEP IRA limits for self-employed professionals in Utah. Schedule an Initial Strategy Meeting to maximize deductions.
401(k) Accumulation: Projecting Your Workplace Wealth Growth
Project the growth of your 401(k) with match. Optimize your retirement contributions in Utah and book an Initial Strategy Meeting.
How Much Monthly Income Will My 401(k) Provide in Retirement?
Find out how much monthly income your 401(k) will provide. Schedule an Initial Strategy Meeting in Sandy, UT, to optimize your cash flow.
403(b) Accumulation: Retirement Planning for Utah Public Employees
Project the growth of your 403(b) account. Tailored for school district and University of Utah employees. Schedule a strategy meeting.