Avoiding Retirement Plan Distribution Disasters

With: Kelly Lent-Paul

Avoiding Retirement Plan Distribution Disasters

Session#: 935-12

Baby Boomers are the first generation to rely primarily on personal savings in IRAs and 401(k)s as a major source of retirement income. The need for advice about taking distributions is expected to skyrocket in the coming years. As tax and financial professionals, we're in the best position to educate taxpayers about maximizing the after tax benefits from these plans. In this session, we'll look at the various exceptions to the 10% penalty for both IRAs and 401(k)s, how to take strategic distributions to minimize taxes, the impact of naming various beneficiaries, and why you need to encourage pre-retiree taxpayers to contribute to their retirement accounts.



Upon completion of the session, you will be able to:


  1. List the exceptions to the 10% early withdrawal penalty.

  2. Identify planning opportunities for using substantially equal periodic payments.

  3. Identify ways Roth IRAs can complement tax deferred savings vehicles.

  4. Identify the consequences of naming designated beneficiaries on retirement accounts.

  5. Minimize the tax impact to beneficiaries taking distributions from inherited retirement plans.

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  • Avoiding Retirement Plan Distribution Disasters

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