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Calculating NUA in 5 Easy Steps

NUA is short for “Net Unrealized Appreciation” of employer securities. It’s the difference between the cost basis and the market value of employer securities held inside a qualified plan such as a 401(k).

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Calculating the Pro-Rata Rule in 5 Easy Steps

The pro-rata rule is the formula that is used to determine how much of a distribution is taxable when the account owner holds both after-tax and pre-tax dollars in their IRA(s). For the purposes of the pro-rata rule, the IRS looks at all your SEP, SIMPLE, and Traditional IRAs as if they were one.

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Planning For Multiple Beneficiaries in 5 Easy Steps

Multiple beneficiaries exist when an individual names more than one beneficiary for their IRA. When you want your IRA assets to go to more than one person or entity without having to incur additional fees or paperwork by maintaining separate accounts for each beneficiary.

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Calculating Your RMD in 5 Easy Steps

An RMD is the minimum amount that must be withdrawn from a retirement account each year. Traditional IRA owners are subject to RMDs beginning in the year in which they turn 70 ½. Beneficiaries of IRAs and/or Roth IRAs are subject to RMDs beginning in the year after the year of the IRA (or Roth IRA) account owner’s death.

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