Broker Check

Distribution Learning

Should I Take My Pension as A Lump Sum?

Should I Take My Pension as A Lump Sum?

  • Life expectancy considerations
  • Viability of pension plan
  • Risk tolerance and need for guaranteed income
  • Wealth transfer considerations
  • Lifetime income options
Can I Delay Distributions?

Can I Delay Distributions?

  • Beneficiary classifications under the new SECURE Act rules
  • Distributions under the 10-Year Rule
  • RMDs under the Life Expectancy Rule
  • Twice-inherited IRAs

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Will a Distribution from My Roth IRA be Tax-Free?

Will a Distribution from My Roth IRA be Tax-Free?

  • The 5-Year Rule
  • Impact of Roth conversions
  • Distribution ordering rules
  • Conditions that trigger the 10% early distribution penalty
  • Exceptions to the 10% early distribution penalty

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Will a Distribution from My Traditional IRA be Tax-Free?

Will a Distribution from My Traditional IRA be Tax-Free?

  • Beneficiary classifications under the new SECURE Act rules
  • Distributions under the 10-Year Rule
  • RMDs under the Life Expectancy Rule
  • Twice-inherited IRAs

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Can I Avoid Taking My RMD after reaching my Required Beginning Date (RBD)?

Can I Avoid Taking My RMD after reaching my Required Beginning Date (RBD)?

  • What to do if a client forgot to take an RMD
  • How the RMD is calculated
  • How to handle multiple retirement accounts
  • Which RMDs can be combined and which ones can not
  • Considerations if the client is still working or a business owner

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