IRAs, 401(k)s & Other Retirement Plans - Financial & Legal Books

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} } .nolo-promotions-peel-off.minimized .box-content { padding: 18px 20px; } .nolo-promotions-peel-off .box-content { padding: 20px; } body.nolo-promotions-theme-stpatricks .modal-content { border: none; padding: 0; } @media (max-width: 669px) { .nolo-promotions-peel-off.minimized .box-content { padding: 15px 20px; } } body.nolo-promotions-theme-stpatricks #nolo-promotions-peel-off { //top: 0px !important; } .media-range-mobile #truste-consent-button { //margin-top: 120px; } .media-range-mobile.responsive-minimize #truste-consent-button { margin-top: 35px !important; } @media (min-width: 670px) { .nolo-promotions-peel-off .first { //transform: rotateX(180deg); } .nolo-promotions-peel-off .last { //transform: rotateX(180deg); } } body.nolo-promotions-theme-stpatricks .nolo-promotions-peel-off.maximized { background: url('https://www.nolo.com/files/promo/holiday/2024/black-friday/BF24_nocollapse_desktop.jpg') no-repeat !important; //background-position: -30px !important; } body.nolo-promotions-theme-stpatricks .nolo-promotions-peel-off.minimized{ background: url("https://www.nolo.com/files/promo/holiday/2024/black-friday/BF24_collapse_expanded_desktop@2x.jpg") no-repeat !important; 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} body.nolo-promotions-theme-stpatricks .modal-content .modal-body { //padding: 20px 12px 12px; margin: 0; } @media (max-width: 669px) { body.nolo-promotions-theme-stpatricks .modal-content .modal-body { background-size: contain; background-position: top; } } body.nolo-promotions-theme-stpatricks .modal-content .modal-body .stpatricks-modal-title { line-height: 1; padding: 0; display: block; border-bottom: 1px solid #fff; width: 500px; margin: 36px auto 22px; padding-top: 16px; padding-bottom: 10px; font-family: "Nunito Sans", "Helvetica Neue", Helvetica, Arial, sans-serif !important; color: #fff !important; } body.nolo-promotions-theme-stpatricks .modal-content .modal-body .stpatricks-modal-title small { font-size: 36px; } body.nolo-promotions-theme-stpatricks .modal-content .modal-body .promo-section { width: 100%; margin: 0 auto; } body.nolo-promotions-theme-stpatricks .modal-content .modal-body .promo-section .stpatricks-modal-slogan { font-size: 32px; line-height: 36px; display: block; 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} body.nolo-promotions-theme-stpatricks #nolo-promotions-peel-off.maximized .desktop-sale-percent { font-size: 32px !important; margin: 10px 8px 18px; font-family: "Nunito Sans", "Helvetica Neue", Helvetica, Arial, sans-serif !important; line-height: 22px; display: block; background-color: #FFF; padding: 15px 8px 10px; color: #000; box-shadow: 0 2px 8px 0 rgba(0, 0, 0, .2); } body.nolo-promotions-theme-stpatricks #nolo-promotions-peel-off.maximized .desktop-sale-percent .off { font-size: 14px; line-height: 20px; display: inline-block; margin-top: 4px; } body.nolo-promotions-theme-stpatricks #nolo-promotions-peel-off.maximized .desktop-sale-percent .everything { font-size: 16px; line-height: 20px; display: block; } body.nolo-promotions-theme-stpatricks #nolo-promotions-peel-off.maximized .flex-right { font-size: 20px; } body.nolo-promotions-theme-stpatricks #nolo-promotions-peel-off.maximized .flex-right .date { font-size: 14px; margin: 10px 0; text-align: center; } body.nolo-promotions-theme-stpatricks #nolo-promotions-peel-off.maximized .flex-right>h2 { font-size: 16px; margin-bottom: 15px; font-family: "Nunito Sans", "Helvetica Neue", Helvetica, Arial, sans-serif !important; color: #FFFFFF; } body.nolo-promotions-theme-stpatricks .modal-dialog.modal-lg { position: absolute; left: 50%; top: 45%; margin: 0 auto; transform: translate(-50%,-50%); width: 900px !important; } } </style> <div id="nolo-promotions-peel-off" class="box nolo-promotions-box nolo-promotions-peel-off" style="display: none;"> <div class="box-content clearfix"> <div class="box-hd clearfix"> <div class="peel-off-action clearfix"><button id="nolo-promotions-peel-off-close" class="button nolo-promotions-button btn-nolo-promotions-peel-off-close"><span>Close</span></button></div> </div> <div class="box-bd clearfix"> <div class="peel-off-messaging clearfix"> <div class="expand-toggle first"></div> <div class="flex-left"><span class="desktop-sale-title"><strong>Black Friday SALE</strong><small class="sale"> </small><span class="coupon-code-min"> 35% OFF*</span></span><span class="desktop-sale-percent" >35<small style="font-size: 20px;">%</small> <small class="off">OFF SITEWIDE*</small></span></div> <div class="flex-right"> <h2>Promo Code: <br><strong>BF35</strong></h2> <p class="restrictions" data-toggle="modal" data-target=".restriction-modal">Restrictions Apply</p> </div> <div class="expand-toggle last"></div> <div class="mobile-peel-off-messaging clearfix"></div> </div> </div> </div> </div> <div class="restriction-modal modal" style="display: none;"> <div class="modal-dialog modal-lg" role="document"> <div class="modal-content"> <div class="modal-body"> <div class="btn-modal-close"> <span class="stpatricks-modal-title"><strong>Black Friday</strong> SALE</span> <p class="promo-subtext"></p> <div class="promo-section clearfix"> <span class="stpatricks-modal-slogan">35<small class="percent">%</small><small class="off">OFF*</small></span> <h2 class="stpatricks-modal-promo">Promo Code: <strong>BF35</strong></h2> </div> <p class="stpatricks-modal-disclaimer">*This promo is valid from 11/29/24 - 12/01/24. This offer cannot be used by 1) Trade library or academic sales account. 2) Other resellers. Not valid for Nolo's Online LLC, Online Corporation, Nonprofit, PPA, Online Divorce, or Mediation. Coupon codes are non-stackable and cannot be combined with any other offer. Limit one coupon per transaction. 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Tax"}}); </script> <script type="text/javascript"> //<![CDATA[ var DateOption = Class.create({ getDaysInMonth: function(month, year) { var curDate = new Date(); if (!month) { month = curDate.getMonth(); } if (2 == month && !year) { // leap year assumption for unknown year return 29; } if (!year) { year = curDate.getFullYear(); } return 32 - new Date(year, month - 1, 32).getDate(); }, reloadMonth: function(event) { var selectEl = event.findElement(); var idParts = selectEl.id.split("_"); if (idParts.length != 3) { return false; } var optionIdPrefix = idParts[0] + "_" + idParts[1]; var month = parseInt($(optionIdPrefix + "_month").value); var year = parseInt($(optionIdPrefix + "_year").value); var dayEl = $(optionIdPrefix + "_day"); var days = this.getDaysInMonth(month, year); //remove days for (var i = dayEl.options.length - 1; i >= 0; i--) { if (dayEl.options[i].value > days) { dayEl.remove(dayEl.options[i].index); } } // add days var lastDay = parseInt(dayEl.options[dayEl.options.length-1].value); for (i = lastDay + 1; i <= days; i++) { this.addOption(dayEl, i, i); } }, addOption: function(select, text, value) { var option = document.createElement('OPTION'); option.value = value; option.text = text; if (select.options.add) { select.options.add(option); } else { select.appendChild(option); } } }); dateOption = new DateOption(); //]]> </script> <script type="text/javascript"> //<![CDATA[ enUS = {"m":{"wide":["January","February","March","April","May","June","July","August","September","October","November","December"],"abbr":["Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec"]}}; // en_US locale reference Calendar._DN = ["Sunday","Monday","Tuesday","Wednesday","Thursday","Friday","Saturday"]; // full day names Calendar._SDN = ["Sun","Mon","Tue","Wed","Thu","Fri","Sat"]; // short day names Calendar._FD = 0; // First day of the week. "0" means display Sunday first, "1" means display Monday first, etc. Calendar._MN = ["January","February","March","April","May","June","July","August","September","October","November","December"]; // full month names Calendar._SMN = ["Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec"]; // short month names Calendar._am = "AM"; // am/pm Calendar._pm = "PM"; // tooltips Calendar._TT = {}; Calendar._TT["INFO"] = 'About the calendar'; Calendar._TT["ABOUT"] = 'DHTML Date/Time Selector\n' + "(c) dynarch.com 2002-2005 / Author: Mihai Bazon\n" + 'For latest version visit: http://www.dynarch.com/projects/calendar/\n' + 'Distributed under GNU LGPL. See http://gnu.org/licenses/lgpl.html for details.' + '\n\n' + 'Date selection:\n' + '- Use the \xab, \xbb buttons to select year\n' + '- Use the \u2039 buttons to select month\n' + '- Hold mouse button on any of the above buttons for faster selection.'; Calendar._TT["ABOUT_TIME"] = '\n\n' + 'Time selection:\n' + '- Click on any of the time parts to increase it\n' + '- or Shift-click to decrease it\n' + '- or click and drag for faster selection.'; Calendar._TT["PREV_YEAR"] = 'Prev. year (hold for menu)'; Calendar._TT["PREV_MONTH"] = 'Prev. month (hold for menu)'; Calendar._TT["GO_TODAY"] = 'Go Today'; Calendar._TT["NEXT_MONTH"] = 'Next month (hold for menu)'; Calendar._TT["NEXT_YEAR"] = 'Next year (hold for menu)'; Calendar._TT["SEL_DATE"] = 'Select date'; Calendar._TT["DRAG_TO_MOVE"] = 'Drag to move'; Calendar._TT["PART_TODAY"] = ' (' + "today" + ')'; // the following is to inform that "%s" is to be the first day of week Calendar._TT["DAY_FIRST"] = 'Display %s first'; // This may be locale-dependent. It specifies the week-end days, as an array // of comma-separated numbers. The numbers are from 0 to 6: 0 means Sunday, 1 // means Monday, etc. Calendar._TT["WEEKEND"] = "0,6"; Calendar._TT["CLOSE"] = 'Close'; Calendar._TT["TODAY"] = "today"; Calendar._TT["TIME_PART"] = '(Shift-)Click or drag to change value'; // date formats Calendar._TT["DEF_DATE_FORMAT"] = "%b %e, %Y"; Calendar._TT["TT_DATE_FORMAT"] = "%B %e, %Y"; Calendar._TT["WK"] = "Week"; Calendar._TT["TIME"] = 'Time:'; //]]> </script> </div> <script type="text/javascript">decorateGeneric($$('#product-options-wrapper dl'), ['last']);</script> </form> </div> </div> </div> </div> </div> <div id="product-top-region" class="product-top-region row layout-column-2-right clearfix"> <div class="ct visible-xs"> <h4 class="burstText"><i class="material-icons star star-full"></i>New Edition!</h4> <h1 id="product-name" itemprop="name">IRAs, 401(k)s & Other Retirement Plans</h1> <h2 class='subtitle'>Strategies for Taking Your Money Out</h2> </div> <div id="product-overview" class="product-overview-region media ct"> <div class="product-top"> <div id="product-image-region" class="image-region media-left hidden-sm hidden-xs"> <div id="product-image" class="product-image"> <img class="image" src="https://store.nolo.com/products/media/catalog/product/cache/1/image/9df78eab33525d08d6e5fb8d27136e95/r/e/ret16_240.png" alt="IRAs, 401(k)s & Other Retirement Plans" title="IRAs, 401(k)s & Other Retirement Plans" width="100%" /></div> </div> <div class="media-body"> <div class="media-body__top hidden-xs"> <p id="prodDetailAuthors" class="prodDetailDNA hidden-xs"><span itemprop="author" itemscope itemtype="http://schema.org/Person">John Suttle</span> and <span itemprop="author" itemscope itemtype="http://schema.org/Person">Twila Slesnick</span></p> <h1 id="product-name" class="hidden-xs" itemprop="name">IRAs, 401(k)s & Other Retirement Plans</h1> <h2 class='subtitle'>Strategies for Taking Your Money Out</h2> <div class='hidden-xs'> <div class="ratings"> <div class="rating-box"> <div class="rating" style="width:100%"></div> </div> <p class="rating-links"> <div> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <a href="#tab-reviews" id="review-anchor"> 5 reviews </a> </div> </p> </div> </div> <h4 class="burstText hidden-xs"><i class="material-icons star star-full"></i>New Edition!</h4> </div> <div class="tablet-product-top hidden-lg"> <div id="product-image-region" class="image-region media-left hidden-lg"> <div id="product-image" class="product-image"> <img class="image" src="https://store.nolo.com/products/media/catalog/product/cache/1/image/9df78eab33525d08d6e5fb8d27136e95/r/e/ret16_240.png" alt="IRAs, 401(k)s & Other Retirement Plans" title="IRAs, 401(k)s & Other Retirement Plans" width="100%" /></div> <div class='visible-xs'> <div class="ratings"> <div class="rating-box"> <div class="rating" style="width:100%"></div> </div> <p class="rating-links"> <div> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <a href="#tab-reviews" id="review-anchor"> 5 reviews </a> </div> </p> </div> <p id="prodDetailAuthors" class="prodDetailDNA"><span itemprop="author" itemscope itemtype="http://schema.org/Person">John Suttle</span> and <span itemprop="author" itemscope itemtype="http://schema.org/Person">Twila Slesnick</span></p> <p id="prodDetailPubDate" class="prodDetailPubDate"><span itemprop="datePublished" content="2023-06-15">June 2023</span>, <span itemprop="bookEdition">16th</span> Edition</p> </div> </div> <div id="product-add-to-cart" class="mobile hidden-lg"> <div class="add-to-cart-box"> <div class="box-content"> <div class="box-bd"> <form action="https://store.nolo.com/products/checkout/cart/add/uenc/aHR0cHM6Ly9zdG9yZS5ub2xvLmNvbS9wcm9kdWN0cy9pcmFzLTQwMS1rLXMtb3RoZXItcmV0aXJlbWVudC1wbGFucy1yZXQuaHRtbD9fX19TSUQ9Uw,,/product/39971/form_key/8Ja5udQsqCgBI2n4/" method="post" id="product_addtocart_form"> <input name="form_key" type="hidden" value="8Ja5udQsqCgBI2n4" /> <div class="hide"> <input type="hidden" name="product" value="39971" /> <input type="hidden" name="related_product" id="related-products-field" value="" /> </div> <script> $j(document).ready(function() { var _catalogFormKey = $j('input[name="form_key"]'); if (_catalogFormKey) { _catalogFormKey.each(function() { var self = $j(this); var _clossestForm = $j(self.closest('form')); var _formAction = _clossestForm.attr('action'); if (self.val() && _formAction) { _clossestForm.attr('action', _formAction.replace(self.val(), FORM_KEY)); } self.val(FORM_KEY); }); } }); </script> <div class="product-options" id="product-options-wrapper"> <dl class="product-options-top configurable"> <dt><h3>Select Your Format</h3></dt> <dd> <div class="input-box" style="display: none; visibility: hidden;"> <select name="super_attribute[221]" id="attribute221" class="required-entry super-attribute-select"> <option>Choose an Option...</option> </select> </div> <div class="input-box product-price-overview"> <div class='format-wrapper'> <div class='current-format'> <div class='type'>eBook </div> <div class='price'></div> <i class='material-icons arrow-down-white'></i> </div> <div class='format-selector mobile-closed'> <h4 class="product-format active" itemprop="bookFormat">eBook</h4> <h4 class="product-format book-ebook-button " >Book & eBook</h4> </div> <div class="format-types">Format: <a href="">PDF</a>, <a href="">EPUB</a> </div> </div> <div class="product-configurable-select first active"> <div class="product-add-to-cart-info"> <p id="product-price-39951-from-product-view" class="product-price test-06 configurable-price" itemscope itemtype="http://schema.org/Offer"> <span class="price"> <meta itemprop="priceCurrency" content="USD" /> <span itemprop="price">$25.99</span> </span> </p> <p class="discount-price"> <span class="msrp">$35.99</span> <span class="discount">27% OFF</span> </p> </div> <div class="product-add-to-cart-actions"> <button onclick="$('attribute221').selectedIndex = 1; spConfig.configureManually($('attribute221')); productAddToCartForm.submit(this)" class="button btn-cart-buy-now btn btn-warning btn-block " title="Add to Cart" type="button">Add to Cart</button> </div> </div> <div class="product-configurable-select last"> <div class="product-add-to-cart-info"> <span class="more-info-container"><a href="#" onclick="window.open('http://www.nolo.com/ebook/book-and-ebook-bundle','','left=200, top=200, location=0, status=0, scrollbars=1,width=600,height=700');">MORE INFO</a></span> <p id="product-price-39961-from-product-view" class="product-price test-06 configurable-price" > <span class="price"> <meta itemprop="priceCurrency" content="USD" /> <span >$28.99</span> </span> </p> <p class="discount-price"> <span class="msrp">$35.99</span> <span class="discount">19% OFF</span> </p> </div> <div class="product-add-to-cart-actions"> <button onclick="$('attribute221').selectedIndex = 2; spConfig.configureManually($('attribute221')); productAddToCartForm.submit(this)" class="button btn-cart-buy-now btn btn-warning btn-block " title="Add to Cart" type="button">Add to Cart</button> </div> </div> </div> </dd> </dl> <script type="text/javascript"> var spConfig = new ProductConfigurableNolo.Config({"attributes":{"221":{"id":221,"code":"book_format","label":"Select Your Format","options":[{"id":"1131","label":"eBook (Downloadable)","price":"0","oldPrice":"0","products":["39951"]},{"id":"1121","label":"Book & eBook","price":"3","oldPrice":"3","products":["39961"]}]}},"template":"$#{price}","basePrice":"25.99","oldPrice":"25.99","productId":"39971","chooseText":"Choose an Option...","taxConfig":{"includeTax":false,"showIncludeTax":false,"showBothPrices":false,"defaultTax":0,"currentTax":0,"inclTaxTitle":"Incl. Tax"}}); </script> <script type="text/javascript"> //<![CDATA[ var DateOption = Class.create({ getDaysInMonth: function(month, year) { var curDate = new Date(); if (!month) { month = curDate.getMonth(); } if (2 == month && !year) { // leap year assumption for unknown year return 29; } if (!year) { year = curDate.getFullYear(); } return 32 - new Date(year, month - 1, 32).getDate(); }, reloadMonth: function(event) { var selectEl = event.findElement(); var idParts = selectEl.id.split("_"); if (idParts.length != 3) { return false; } var optionIdPrefix = idParts[0] + "_" + idParts[1]; var month = parseInt($(optionIdPrefix + "_month").value); var year = parseInt($(optionIdPrefix + "_year").value); var dayEl = $(optionIdPrefix + "_day"); var days = this.getDaysInMonth(month, year); //remove days for (var i = dayEl.options.length - 1; i >= 0; i--) { if (dayEl.options[i].value > days) { dayEl.remove(dayEl.options[i].index); } } // add days var lastDay = parseInt(dayEl.options[dayEl.options.length-1].value); for (i = lastDay + 1; i <= days; i++) { this.addOption(dayEl, i, i); } }, addOption: function(select, text, value) { var option = document.createElement('OPTION'); option.value = value; option.text = text; if (select.options.add) { select.options.add(option); } else { select.appendChild(option); } } }); dateOption = new DateOption(); //]]> </script> <script type="text/javascript"> //<![CDATA[ enUS = {"m":{"wide":["January","February","March","April","May","June","July","August","September","October","November","December"],"abbr":["Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec"]}}; // en_US locale reference Calendar._DN = ["Sunday","Monday","Tuesday","Wednesday","Thursday","Friday","Saturday"]; // full day names Calendar._SDN = ["Sun","Mon","Tue","Wed","Thu","Fri","Sat"]; // short day names Calendar._FD = 0; // First day of the week. "0" means display Sunday first, "1" means display Monday first, etc. Calendar._MN = ["January","February","March","April","May","June","July","August","September","October","November","December"]; // full month names Calendar._SMN = ["Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec"]; // short month names Calendar._am = "AM"; // am/pm Calendar._pm = "PM"; // tooltips Calendar._TT = {}; Calendar._TT["INFO"] = 'About the calendar'; Calendar._TT["ABOUT"] = 'DHTML Date/Time Selector\n' + "(c) dynarch.com 2002-2005 / Author: Mihai Bazon\n" + 'For latest version visit: http://www.dynarch.com/projects/calendar/\n' + 'Distributed under GNU LGPL. See http://gnu.org/licenses/lgpl.html for details.' + '\n\n' + 'Date selection:\n' + '- Use the \xab, \xbb buttons to select year\n' + '- Use the \u2039 buttons to select month\n' + '- Hold mouse button on any of the above buttons for faster selection.'; Calendar._TT["ABOUT_TIME"] = '\n\n' + 'Time selection:\n' + '- Click on any of the time parts to increase it\n' + '- or Shift-click to decrease it\n' + '- or click and drag for faster selection.'; Calendar._TT["PREV_YEAR"] = 'Prev. year (hold for menu)'; Calendar._TT["PREV_MONTH"] = 'Prev. month (hold for menu)'; Calendar._TT["GO_TODAY"] = 'Go Today'; Calendar._TT["NEXT_MONTH"] = 'Next month (hold for menu)'; Calendar._TT["NEXT_YEAR"] = 'Next year (hold for menu)'; Calendar._TT["SEL_DATE"] = 'Select date'; Calendar._TT["DRAG_TO_MOVE"] = 'Drag to move'; Calendar._TT["PART_TODAY"] = ' (' + "today" + ')'; // the following is to inform that "%s" is to be the first day of week Calendar._TT["DAY_FIRST"] = 'Display %s first'; // This may be locale-dependent. It specifies the week-end days, as an array // of comma-separated numbers. The numbers are from 0 to 6: 0 means Sunday, 1 // means Monday, etc. Calendar._TT["WEEKEND"] = "0,6"; Calendar._TT["CLOSE"] = 'Close'; Calendar._TT["TODAY"] = "today"; Calendar._TT["TIME_PART"] = '(Shift-)Click or drag to change value'; // date formats Calendar._TT["DEF_DATE_FORMAT"] = "%b %e, %Y"; Calendar._TT["TT_DATE_FORMAT"] = "%B %e, %Y"; Calendar._TT["WK"] = "Week"; Calendar._TT["TIME"] = 'Time:'; //]]> </script> </div> <script type="text/javascript">decorateGeneric($$('#product-options-wrapper dl'), ['last']);</script> </form> </div> </div> </div> </div> </div> <div id="prodTeaser" class="prodTeaser"> <h3 class="hidden-xs">Strategies for Taking Your Money Out</h3> <h3 class="prodTabHeader">Save your nest egg from the IRS</h3> <p>Whether you’re approaching retirement, changing jobs, or simply looking to borrow money from your 401(k)<em>, IRAs, 401(k)s & Other Retirement Plans</em> will guide you through the minefield of IRS rules that govern distributions from retirement plans. You’ll learn how to:</p> <ul> <li>avoid penalties for taking money out early</li> <li>minimize taxes before and after retirement</li> <li>calculate your required minimum distributions</li> <li>leave your retirement plan to your heirs</li> </ul> <p>Includes step-by-step instructions on completing tax forms required by the IRS!</p> </div> <p id="prodDetailPubDate" class="prodDetailPubDate hidden-xs"><span itemprop="datePublished" content="2023-06-15">June 2023</span>, <span itemprop="bookEdition">16th</span> Edition</p> </div> </div> <script type="text/javascript" src="//store.nolo.com/products/js/nolo/product/form.js"></script> <div id="product-details-additional" class="product-details product-details-additional"> <div id="product-attribute-specs-accordion" class='visible-xs row'> <ul> <li class=""><a id="ProductDetails" href="#accordion-ProductDetails" data-toggle="collapse" data-target="#accordion-ProductDetails" aria-controls="accordion-ProductDetails"> Product Details<i class='material-icons arrow-right'></i> </a> </li> <div class="collapse" id="accordion-ProductDetails"> <div class="product-details-description"><div itemprop="description" class="childAttributeValue test-02"><p class="backtext">About to retire? Over 73 and facing mandatory withdrawal rules? Just inherited money from a retirement plan?</p> <p>Whether you have an IRA, Roth IRA, 401(k), Keogh or other retirement plan, this book will help you make sense of the rules for taking your money out. Even more important, it will show you how to avoid the stiff taxes and penalties that lurk in the fine print. It covers:</p> <ul> <li>tax strategies before and after retirement</li> <li>required distributions and how much you need to take</li> <li>penalties for taking money out early and how to avoid them</li> <li>how to divide a plan at divorce</li> <li>what happens to your retirement plan after your death, and</li> <li>different rules for taking money out of an inherited plan.</li> </ul> <p class="backtext">The 16th edition covers all of the latest changes, including:</p> <ul> <li>new start age for required distributions</li> <li>new contribution limits for 401(k)s, money purchase pension plans, ESOPs, SIMPLE IRAs, and Roth IRAs</li> <li>new exceptions to the 10% early distribution tax, and</li> <li>multiple new rules for inherited retirement plans.</li> </ul> <p><em>“[An] impressively clear and comprehensive layman’s guide.”</em><strong>—U.S. News & World Report</strong></p> <p><em>“Few resources are as valuable when it comes to financial planning in later life.”</em><strong>—Wall Street Journal</strong></p> <p> </p></div></div><div class="product-details-ean clearfix"><span class="childAttributeLabel column test-01">ISBN</span><div itemprop="isbn" class="childAttributeValue test-02">9781413330816</div></div><div class="product-details-page-count clearfix"><span class="childAttributeLabel column test-01">Number of Pages</span><div itemprop="numberOfPages" class="childAttributeValue test-02">416</div></div><div class="product-details-forms clearfix"><span class="childAttributeLabel column test-01">Included Forms</span><div class="childAttributeValue test-02"><ul> <li>Form 4972, Tax on Lump-Sum Distributions</li> <li>Tax Rate Schedule for 1986</li> <li>Form 5329, Additional Taxes on Qualified Plans (Including IRAs) and Other Tax-Favored Accounts</li> <li>Form 5330, Return of Excise Taxes Related to Employee Benefit Plans</li> <li>Form 5498, IRA Contribution Information</li> <li>Form 8606, Nondeductible IRAs</li> <li>Revenue Ruling 2002-62</li> </ul> </div></div> </div> <li class=""><a id="AbouttheAuthor" href="#accordion-AbouttheAuthor" data-toggle="collapse" data-target="#accordion-AbouttheAuthor" aria-controls="accordion-AbouttheAuthor"> About the Author<i class='material-icons arrow-right'></i> </a> </li> <div class="collapse" id="accordion-AbouttheAuthor"> <div class="product-details-author"><div class="childAttributeLabel test-06"><ul class="authors-wrapper">  <li class="author-list first"> <h2><a href="https://www.nolo.com/law-authors/john-suttle.html" target="_blank">John Suttle</a></h2> <div class="author-bio"> John Suttle has been practicing law for 18 years. His practice consists of estate and trust planning; probate administration; federal, state and local tax counseling for high net worth individuals and retirement planning under ERISA. Co-author of IRAs, 401(k)s & Other Retirement Plans, he has served as an expert witness in numerous cases and lives in Atherton, California. </div> </li> <li class="author-list last"> <h2><a href="https://www.nolo.com/law-authors/twila-slesnick.html" target="_blank">Twila Slesnick</a></h2> <div class="author-bio"> <p>Twila Slesnick is an Enrolled Agent who specializes in tax and investment planning for retirees and prospective retirees, and does pension plan consulting for individuals and small businesses. She has conducted numerous seminars throughout the U.S. in the areas of retirement and tax planning. Slesnick has been featured on television and radio programs across the country and in publications including <i>Money Magazine</i>, <i>U.S. News & World Report</i>, <i>Newsweek</i> and <i>Consumer Reports</i>. She is the author (with John Suttle) of <i>IRAs, 401(k)s and Other Retirement Plans: Taking Your Money Out</i> (Nolo). Slesnick has a bachelor's, master's and Ph.D., all from the University of California, Berkeley. She lives in Dublin, California.</p> </div> </li> </ul></div></div> </div> <li class=""><a id="TableofContents" href="#accordion-TableofContents" data-toggle="collapse" data-target="#accordion-TableofContents" aria-controls="accordion-TableofContents"> Table of Contents<i class='material-icons arrow-right'></i> </a> </li> <div class="collapse" id="accordion-TableofContents"> <div class="childAttributeValue test-02"><h4>Your Retirement Companion</h4> <h4 class="mainTOCtitle">1.&ensp;Types of Retirement Plans</h4> <ul> <li>Qualified Plans</li> <li>Individual Retirement Accounts</li> <li>Almost-Qualified Plans</li> <li>Nonqualified Plans</li> </ul> <h4 class="mainTOCtitle">2.&ensp;An Overview of Tax Rules</h4> <ul> <li>Taxation Fundamentals</li> <li>General Income Tax Rules for Retirement Plans</li> <li>Income Tax on Qualified Plans and Qualified Annuities</li> <li>Special Income Tax Rules for Tax-Deferred Annuities</li> <li>Special Income Tax Rules for IRAs</li> <li>How Penalties Can Guide Planning</li> </ul> <h4 class="mainTOCtitle">3.&ensp;Early Distributions: Taking Your Money Out Before the Law Allows</h4> <ul> <li>Exceptions to the Early Distribution Tax</li> <li>Calculating the Tax</li> <li>Reporting the Tax</li> <li>Special Rules for IRAs</li> </ul> <h4 class="mainTOCtitle">4.&ensp;Substantially Equal Periodic Payments</h4> <ul> <li>Computing Periodic Payments</li> <li>Implementing and Reporting Your Decision</li> <li>Modifying the Payments</li> </ul> <h4 class="mainTOCtitle">5.&ensp;Required Distributions: Taking Money Out When You Have To</h4> <ul> <li>Your RMD Age</li> <li>Life Expectancy Tables</li> <li>Required Distributions During Your Lifetime</li> <li>Death Before Required Beginning Date</li> <li>Death After Required Beginning Date</li> <li>Special Rules for Tax-Deferred Annuities</li> <li>Special Rules for Roth IRAs</li> <li>Penalty</li> <li>Reporting the Penalty</li> <li>Waiver</li> </ul> <h4 class="mainTOCtitle">6.&ensp;Required Distributions During Your Lifetime</h4> <ul> <li>Required Beginning Date</li> <li>Computing the Required Amount</li> <li>Designating a Beneficiary</li> <li>Special Rules for Annuities</li> <li>Divorce or Separation</li> </ul> <h4 class="mainTOCtitle">7.&ensp;Distributions to Your Beneficiary If You Die Before Your Required Beginning Date</h4> <ul> <li>Determining the Designated Beneficiary</li> <li>Distribution Methods</li> <li>Designating Beneficiary</li> <li>Eligible Designated Beneficiary</li> <li>No Designated Beneficiary</li> <li>Multiple Beneficiaries, Separate Accounts</li> <li>Multiple Beneficiaries, One Account</li> <li>Trust Beneficiary</li> <li>Estate as Beneficiary</li> <li>Annuities</li> <li>Divorce or Separation</li> <li>Reporting Distributions From IRAs</li> </ul> <h4 class="mainTOCtitle">8.&ensp;Distributions to Your Beneficiary If You Die After Your Required Beginning Date</h4> <ul> <li>Administrative Details</li> <li>Distribution Methods</li> <li>Designated Beneficiary</li> <li>Eligible Designated Beneficiary</li> <li>No Designated Beneficiary</li> <li>Multiple Beneficiaries, Separate Accounts</li> <li>Multiple Beneficiaries, One Account</li> <li>Trust Beneficiary</li> <li>Estate as Beneficiary</li> <li>Annuities</li> <li>Divorce or Separation</li> </ul> <h4 class="mainTOCtitle">9.&ensp;Roth IRAs</h4> <ul> <li>Taxation of Distributions</li> <li>Early Distribution Tax</li> <li>Ordering of Distributions</li> <li>Required Distributions</li> </ul> <h4 class="mainTOCtitle">10.&ensp;Roth 401(k) Plans</h4> <ul> <li>Taxation of Distributions</li> <li>Early Distribution Tax</li> <li>Ordering of Distributions</li> <li>Required Distributions</li> </ul> <h4 class="mainTOCtitle">Appendixes</h4> <h4 class="mainTOCtitle">A:&ensp;IRS Forms, Notices, and Schedules</h4> <ul> <li>Certification for Late Rollover Contribution</li> <li>Form 4972, <em>Tax on Lump-Sum Distributions</em></li> <li>Tax Rate Schedule for 1986</li> <li>Form 5329, <em>Additional Taxes on Qualified Plans (Including IRAs) and Other Tax-Favored Accounts</em></li> <li>Form 5330, <em>Return of Excise Taxes Related to Employee Benefit Plans</em></li> <li>Form 5498,<em> IRA Contribution Information</em></li> <li>Form 8606, <em>Nondeductible IRAs</em></li> <li>Form 8915-E, <em>Qualified 2020 Disaster Retirement Plan Distributions and Repayments</em></li> <li>Form 8915-F, <em>Qualified Disaster Retirement Plan Distributions and Repayments</em></li> <li>Notice 2002-6</li> </ul> <h4 class="mainTOCtitle">B:&ensp;Life Expectancy Tables for 2021 and Earlier</h4> <ul> <li>Table I: Single Life Expectancy</li> <li>Table II: Joint Life and Last Survivor Expectancy</li> <li>Table III: Uniform Lifetime Table</li> <li>Table IV: Survivor Benefit Limits</li> </ul> <h4 class="mainTOCtitle">C:&ensp;Life Expectancy Tables for 2022 and Later</h4> <ul> <li>Table I: Single Life Expectancy</li> <li>Table II: Joint Life and Last Survivor Expectancy</li> <li>Table III: Uniform Lifetime Table</li> <li>Table IV: Survivor Benefit Limits</li> </ul> <h4 class="mainTOCtitle">Index</h4></div> </div> <li class=""><a id="SampleChapter" href="#accordion-SampleChapter" data-toggle="collapse" data-target="#accordion-SampleChapter" aria-controls="accordion-SampleChapter"> Sample Chapter<i class='material-icons arrow-right'></i> </a> </li> <div class="collapse" id="accordion-SampleChapter"> <div class="childAttributeValue test-02"><h3 class="TOCtitle">Your Retirement Companion</h3> <p>Let’s start with the basics. There are many kinds of retirement plans and many possible sources for owning one. This book is about how to take money out of your retirement plans.</p> <ul> <li>How do I know what kind of retirement plan I have? (See Chapter 1.)</li> <li>Do I have to wait until I retire to get money out of my plan or my IRA? (See Chapter 3.)</li> <li>Can I borrow money from my 401(k) plan to buy a house? (See Chapters 3, 4, and 5.)</li> <li>What should I do with my retirement plan when I leave my company or retire? (See Chapter 2.)</li> <li>When do I have to start taking money out of my IRA? (See Chapter 5.)</li> <li>How do I calculate how much I have to take? (See Chapter 6.)</li> <li>Can I take more than the required amount? (See Chapter 6.)</li> <li>What happens to my retirement plan when I die? (See Chapters 7 and 8.)</li> <li>Can my spouse roll over my IRA when I die? (See Chapters 7 and 8.)</li> <li>What about my children? Can they put my IRA in their names after I die? Do they have to take all the money out of the account right away? (See Chapters 7 and 8.)</li> <li>If I inherit a retirement plan, can I add my own money to it? Can I save it for my own children, if I don’t need the money? (See Chapters 7 and 8.)</li> <li>Am I allowed to set up a Roth IRA? Should I? (See Chapter 9.)</li> <li>Can I convert my regular IRA to a Roth IRA? Should I? (See Chapter 9.)</li> <li>How is a Roth 401(k) plan different from a Roth IRA? (See Chapter 10.)</li> </ul> <p>To help you answer these and other questions, we include many examples to guide you through the decision-making process and take you through calculations. You will also find sample tax forms that the IRS requires, along with instructions for how to complete them.</p> <p>This book contains tables to help you calculate distributions. It also contains sample letters and worksheets you can use to communicate with the IRS or with the custodian of your IRA or retirement plan. We’ve even included some important IRS notices so you can read firsthand how the IRS thinks about certain critical issues.</p> <p>The tax rules for pensions, IRAs, 401(k)s, and other types of retirement plans are notoriously complex, which can be all the more frustrating because they’re important to so many people. The good news is that help is here: This book makes the rules clear and accessible.</p> <hr /> <p><em>We hope you enjoyed this sample. The complete book is available for sale here at Nolo.com.</em></p></div> </div> </ul> </div> <script type=""> jQuery(document).ready(function() { jQuery('#product-attribute-specs-accordion ul li').click(function() { jQuery(this).toggleClass('sticky-top'); if(jQuery(this).find('a').attr('aria-expanded') == 'true') { var targetId = jQuery(this).find('a').attr('id'); document.getElementById(targetId).scrollIntoView(); } }); var li_height = jQuery('#product-attribute-specs-accordion>ul>li').height(); //Correct stacked sticky li position to the following unsticky li jQuery(window).on('scroll',function() { //check if un-sticky li reach to the top on Mouse Wheel var li_unstickies = jQuery('#product-attribute-specs-accordion>ul>li.sticky-top').next().next(); li_unstickies.each(function(){ li_sticky_check(jQuery(this)); }); var div_tabs = jQuery("#product-attribute-specs-tabs"); if(div_tabs.css('display') !=='none') { tab_sticky_check(div_tabs); } }); jQuery(window).on('touchmove',function() { //check if un-sticky li reach to the top on Touch Scroll var li_unstickies = jQuery('#product-attribute-specs-accordion>ul>li.sticky-top').next().next(); li_unstickies.each(function(){ li_sticky_check(jQuery(this)); }); var div_tabs = jQuery("#product-attribute-specs-tabs"); if(div_tabs.css('display') !=='none') { tab_sticky_check(div_tabs); } }); var li_sticky_check = function(li_unsticky){ // Mobile li sticky-top var top_li_unsticky = li_unsticky.offset().top - $j(window).scrollTop(); if(top_li_unsticky <= li_height ){ if(top_li_unsticky)li_unsticky.prev().prev().css('top',(top_li_unsticky-li_height) + 'px'); }else{ li_unsticky.prev().prev().css('top',0) } } // tablet tab scrolling var tab_sticky_check = function(div_tabs) { var top_tab_unsticky = div_tabs.offset().top - $j(window).scrollTop(); var tab_padding_top = 48; if(top_tab_unsticky < tab_padding_top) { var sticky_top = (top_tab_unsticky-tab_padding_top)>(0-tab_padding_top)?(top_tab_unsticky-tab_padding_top):(0-tab_padding_top); div_tabs.find('.nav').css('top', sticky_top + 'px'); } else { if(div_tabs.find('.nav').css('top'))div_tabs.find('.nav').css('top',0); } } }); </script> <div id="product-attribute-specs-tabs" class="productAdditionalData expanded-nav hidden-xs"> <ul class="sticky-top nav nav-pills nav-justified nav-pills-4" data-spy="affix"> <li class=" first active"><a data-target="#tab-productdetails" data-toggle="tab" class="" title="Product Details"><span>Product Details</span></a></li> <li class=""><a data-target="#tab-abouttheauthor" data-toggle="tab" class="" title="About the Author"><span>About the Author</span></a></li> <li class=""><a data-target="#tab-tableofcontents" data-toggle="tab" class="" title="Table of Contents"><span>Table of Contents</span></a></li> <li class=" last"><a data-target="#tab-samplechapter" data-toggle="tab" class="" title="Sample Chapter"><span>Sample Chapter</span></a></li> </ul> <div id="product-attribute-specs-content" class="panel-group" role="tablist" aria-multiselectable="true"> <div class="tab-pane show first active" id="tab-productdetails" role="tabpanel" > <div class="tab-heading"> <h2 href="#tab-productdetails">Product Details</h2> </div> <div class="product-details-description_desktop"><div itemprop="description_desktop" class="childAttributeValue test-02"><p class="backtext_desktop">About to retire? Over 73 and facing mandatory withdrawal rules? Just inherited money from a retirement plan?</p> <p>Whether you have an IRA, Roth IRA, 401(k), Keogh or other retirement plan, this book will help you make sense of the rules for taking your money out. Even more important, it will show you how to avoid the stiff taxes and penalties that lurk in the fine print. It covers:</p> <ul> <li>tax strategies before and after retirement</li> <li>required distributions and how much you need to take</li> <li>penalties for taking money out early and how to avoid them</li> <li>how to divide a plan at divorce</li> <li>what happens to your retirement plan after your death, and</li> <li>different rules for taking money out of an inherited plan.</li> </ul> <p class="backtext_desktop">The 16th edition covers all of the latest changes, including:</p> <ul> <li>new start age for required distributions</li> <li>new contribution limits for 401(k)s, money purchase pension plans, ESOPs, SIMPLE IRAs, and Roth IRAs</li> <li>new exceptions to the 10% early distribution tax, and</li> <li>multiple new rules for inherited retirement plans.</li> </ul> <p><em>“[An] impressively clear and comprehensive layman’s guide.”</em><strong>—U.S. News & World Report</strong></p> <p><em>“Few resources are as valuable when it comes to financial planning in later life.”</em><strong>—Wall Street Journal</strong></p> <p> </p></div></div><div class="product-details-ean clearfix_desktop"><span class="childAttributeLabel column test-01">ISBN</span><div itemprop="isbn_desktop" class="childAttributeValue test-02">9781413330816</div></div><div class="product-details-page-count clearfix_desktop"><span class="childAttributeLabel column test-01">Number of Pages</span><div itemprop="numberOfPages_desktop" class="childAttributeValue test-02">416</div></div><div class="product-details-forms clearfix_desktop"><span class="childAttributeLabel column test-01">Included Forms</span><div class="childAttributeValue test-02"><ul> <li>Form 4972, Tax on Lump-Sum Distributions</li> <li>Tax Rate Schedule for 1986</li> <li>Form 5329, Additional Taxes on Qualified Plans (Including IRAs) and Other Tax-Favored Accounts</li> <li>Form 5330, Return of Excise Taxes Related to Employee Benefit Plans</li> <li>Form 5498, IRA Contribution Information</li> <li>Form 8606, Nondeductible IRAs</li> <li>Revenue Ruling 2002-62</li> </ul> </div></div> <div class="tab-footer"> <a class="visible-xs" href="#tab-productdetails" role="button" data-toggle="collapse" data-parent="#product-attribute-specs-content" aria-controls="tab-productdetails"> Product Details </a> </div> </div> <div class="tab-pane show" id="tab-abouttheauthor" role="tabpanel" > <div class="tab-heading"> <h2 href="#tab-abouttheauthor">About the Author</h2> </div> <div class="product-details-author_desktop"><div class="childAttributeLabel test-06"><ul class="authors-wrapper_desktop">  <li class="author-list first_desktop"> <h2><a href="https://www.nolo.com/law-authors/john-suttle.html" target="_blank">John Suttle</a></h2> <div class="author-bio"> John Suttle has been practicing law for 18 years. His practice consists of estate and trust planning; probate administration; federal, state and local tax counseling for high net worth individuals and retirement planning under ERISA. Co-author of IRAs, 401(k)s & Other Retirement Plans, he has served as an expert witness in numerous cases and lives in Atherton, California. </div> </li> <li class="author-list last"> <h2><a href="https://www.nolo.com/law-authors/twila-slesnick.html" target="_blank">Twila Slesnick</a></h2> <div class="author-bio"> <p>Twila Slesnick is an Enrolled Agent who specializes in tax and investment planning for retirees and prospective retirees, and does pension plan consulting for individuals and small businesses. She has conducted numerous seminars throughout the U.S. in the areas of retirement and tax planning. Slesnick has been featured on television and radio programs across the country and in publications including <i>Money Magazine</i>, <i>U.S. News & World Report</i>, <i>Newsweek</i> and <i>Consumer Reports</i>. She is the author (with John Suttle) of <i>IRAs, 401(k)s and Other Retirement Plans: Taking Your Money Out</i> (Nolo). Slesnick has a bachelor's, master's and Ph.D., all from the University of California, Berkeley. She lives in Dublin, California.</p> </div> </li> </ul></div></div> <div class="tab-footer"> <a class="visible-xs" href="#tab-abouttheauthor" role="button" data-toggle="collapse" data-parent="#product-attribute-specs-content" aria-controls="tab-abouttheauthor"> About the Author </a> </div> </div> <div class="tab-pane show" id="tab-tableofcontents" role="tabpanel" > <div class="tab-heading"> <h2 href="#tab-tableofcontents">Table of Contents</h2> </div> <div class="childAttributeValue test-02"><h4>Your Retirement Companion</h4> <h4 class="mainTOCtitle_desktop">1.&ensp;Types of Retirement Plans</h4> <ul> <li>Qualified Plans</li> <li>Individual Retirement Accounts</li> <li>Almost-Qualified Plans</li> <li>Nonqualified Plans</li> </ul> <h4 class="mainTOCtitle_desktop">2.&ensp;An Overview of Tax Rules</h4> <ul> <li>Taxation Fundamentals</li> <li>General Income Tax Rules for Retirement Plans</li> <li>Income Tax on Qualified Plans and Qualified Annuities</li> <li>Special Income Tax Rules for Tax-Deferred Annuities</li> <li>Special Income Tax Rules for IRAs</li> <li>How Penalties Can Guide Planning</li> </ul> <h4 class="mainTOCtitle_desktop">3.&ensp;Early Distributions: Taking Your Money Out Before the Law Allows</h4> <ul> <li>Exceptions to the Early Distribution Tax</li> <li>Calculating the Tax</li> <li>Reporting the Tax</li> <li>Special Rules for IRAs</li> </ul> <h4 class="mainTOCtitle_desktop">4.&ensp;Substantially Equal Periodic Payments</h4> <ul> <li>Computing Periodic Payments</li> <li>Implementing and Reporting Your Decision</li> <li>Modifying the Payments</li> </ul> <h4 class="mainTOCtitle_desktop">5.&ensp;Required Distributions: Taking Money Out When You Have To</h4> <ul> <li>Your RMD Age</li> <li>Life Expectancy Tables</li> <li>Required Distributions During Your Lifetime</li> <li>Death Before Required Beginning Date</li> <li>Death After Required Beginning Date</li> <li>Special Rules for Tax-Deferred Annuities</li> <li>Special Rules for Roth IRAs</li> <li>Penalty</li> <li>Reporting the Penalty</li> <li>Waiver</li> </ul> <h4 class="mainTOCtitle_desktop">6.&ensp;Required Distributions During Your Lifetime</h4> <ul> <li>Required Beginning Date</li> <li>Computing the Required Amount</li> <li>Designating a Beneficiary</li> <li>Special Rules for Annuities</li> <li>Divorce or Separation</li> </ul> <h4 class="mainTOCtitle_desktop">7.&ensp;Distributions to Your Beneficiary If You Die Before Your Required Beginning Date</h4> <ul> <li>Determining the Designated Beneficiary</li> <li>Distribution Methods</li> <li>Designating Beneficiary</li> <li>Eligible Designated Beneficiary</li> <li>No Designated Beneficiary</li> <li>Multiple Beneficiaries, Separate Accounts</li> <li>Multiple Beneficiaries, One Account</li> <li>Trust Beneficiary</li> <li>Estate as Beneficiary</li> <li>Annuities</li> <li>Divorce or Separation</li> <li>Reporting Distributions From IRAs</li> </ul> <h4 class="mainTOCtitle_desktop">8.&ensp;Distributions to Your Beneficiary If You Die After Your Required Beginning Date</h4> <ul> <li>Administrative Details</li> <li>Distribution Methods</li> <li>Designated Beneficiary</li> <li>Eligible Designated Beneficiary</li> <li>No Designated Beneficiary</li> <li>Multiple Beneficiaries, Separate Accounts</li> <li>Multiple Beneficiaries, One Account</li> <li>Trust Beneficiary</li> <li>Estate as Beneficiary</li> <li>Annuities</li> <li>Divorce or Separation</li> </ul> <h4 class="mainTOCtitle_desktop">9.&ensp;Roth IRAs</h4> <ul> <li>Taxation of Distributions</li> <li>Early Distribution Tax</li> <li>Ordering of Distributions</li> <li>Required Distributions</li> </ul> <h4 class="mainTOCtitle_desktop">10.&ensp;Roth 401(k) Plans</h4> <ul> <li>Taxation of Distributions</li> <li>Early Distribution Tax</li> <li>Ordering of Distributions</li> <li>Required Distributions</li> </ul> <h4 class="mainTOCtitle_desktop">Appendixes</h4> <h4 class="mainTOCtitle_desktop">A:&ensp;IRS Forms, Notices, and Schedules</h4> <ul> <li>Certification for Late Rollover Contribution</li> <li>Form 4972, <em>Tax on Lump-Sum Distributions</em></li> <li>Tax Rate Schedule for 1986</li> <li>Form 5329, <em>Additional Taxes on Qualified Plans (Including IRAs) and Other Tax-Favored Accounts</em></li> <li>Form 5330, <em>Return of Excise Taxes Related to Employee Benefit Plans</em></li> <li>Form 5498,<em> IRA Contribution Information</em></li> <li>Form 8606, <em>Nondeductible IRAs</em></li> <li>Form 8915-E, <em>Qualified 2020 Disaster Retirement Plan Distributions and Repayments</em></li> <li>Form 8915-F, <em>Qualified Disaster Retirement Plan Distributions and Repayments</em></li> <li>Notice 2002-6</li> </ul> <h4 class="mainTOCtitle_desktop">B:&ensp;Life Expectancy Tables for 2021 and Earlier</h4> <ul> <li>Table I: Single Life Expectancy</li> <li>Table II: Joint Life and Last Survivor Expectancy</li> <li>Table III: Uniform Lifetime Table</li> <li>Table IV: Survivor Benefit Limits</li> </ul> <h4 class="mainTOCtitle_desktop">C:&ensp;Life Expectancy Tables for 2022 and Later</h4> <ul> <li>Table I: Single Life Expectancy</li> <li>Table II: Joint Life and Last Survivor Expectancy</li> <li>Table III: Uniform Lifetime Table</li> <li>Table IV: Survivor Benefit Limits</li> </ul> <h4 class="mainTOCtitle_desktop">Index</h4></div> <div class="tab-footer"> <a class="visible-xs" href="#tab-tableofcontents" role="button" data-toggle="collapse" data-parent="#product-attribute-specs-content" aria-controls="tab-tableofcontents"> Table of Contents </a> </div> </div> <div class="tab-pane show last" id="tab-samplechapter" role="tabpanel" > <div class="tab-heading"> <h2 href="#tab-samplechapter">Sample Chapter</h2> </div> <div class="childAttributeValue test-02"><h3 class="TOCtitle">Your Retirement Companion</h3> <p>Let’s start with the basics. There are many kinds of retirement plans and many possible sources for owning one. This book is about how to take money out of your retirement plans.</p> <ul> <li>How do I know what kind of retirement plan I have? (See Chapter 1.)</li> <li>Do I have to wait until I retire to get money out of my plan or my IRA? (See Chapter 3.)</li> <li>Can I borrow money from my 401(k) plan to buy a house? (See Chapters 3, 4, and 5.)</li> <li>What should I do with my retirement plan when I leave my company or retire? (See Chapter 2.)</li> <li>When do I have to start taking money out of my IRA? (See Chapter 5.)</li> <li>How do I calculate how much I have to take? (See Chapter 6.)</li> <li>Can I take more than the required amount? (See Chapter 6.)</li> <li>What happens to my retirement plan when I die? (See Chapters 7 and 8.)</li> <li>Can my spouse roll over my IRA when I die? (See Chapters 7 and 8.)</li> <li>What about my children? Can they put my IRA in their names after I die? Do they have to take all the money out of the account right away? (See Chapters 7 and 8.)</li> <li>If I inherit a retirement plan, can I add my own money to it? Can I save it for my own children, if I don’t need the money? (See Chapters 7 and 8.)</li> <li>Am I allowed to set up a Roth IRA? Should I? (See Chapter 9.)</li> <li>Can I convert my regular IRA to a Roth IRA? Should I? (See Chapter 9.)</li> <li>How is a Roth 401(k) plan different from a Roth IRA? (See Chapter 10.)</li> </ul> <p>To help you answer these and other questions, we include many examples to guide you through the decision-making process and take you through calculations. You will also find sample tax forms that the IRS requires, along with instructions for how to complete them.</p> <p>This book contains tables to help you calculate distributions. It also contains sample letters and worksheets you can use to communicate with the IRS or with the custodian of your IRA or retirement plan. We’ve even included some important IRS notices so you can read firsthand how the IRS thinks about certain critical issues.</p> <p>The tax rules for pensions, IRAs, 401(k)s, and other types of retirement plans are notoriously complex, which can be all the more frustrating because they’re important to so many people. The good news is that help is here: This book makes the rules clear and accessible.</p> <hr /> <p><em>We hope you enjoyed this sample. The complete book is available for sale here at Nolo.com.</em></p></div> <div class="tab-footer"> <a class="visible-xs" href="#tab-samplechapter" role="button" data-toggle="collapse" data-parent="#product-attribute-specs-content" aria-controls="tab-samplechapter"> Sample Chapter </a> </div> </div> </div> </div> </div> <script type="text/javascript"> jQuery("#product-details-additional .nav li a").click(function() { if(jQuery(this).parent().hasClass('active')){ return; } else { jQuery(this).parent().siblings().removeClass('active'); jQuery(this).parent().addClass('active'); document.getElementById('product-details-additional').scrollIntoView({ behavior: 'smooth' }); } }); </script> <div id="tab-reviews" class="product-reviews-section">  <div class="col-5 col-md-6 col-sm-12 float-md-left"> <div class="customer-reviews-box"> <div class="rating-value"> <div class="text-center"> <h1 class="rating-score"> 5.0</h1> <div class="text-center"> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> </div> </div> <h5 class="text-center"> 5 Reviews </h5> </div> <div class="text-center"> <div class="progress-bar-wrapper"> <span class="progress-bar-value">5 Star</span> <div class="progress"> <div class="progress-bar-rating" style="width: 100%;" role="progressbar" aria-valuenow="100" aria-valuemin="0" aria-valuemax="100"></div> </div> <span>100%</span> </div> <div class="progress-bar-wrapper"> <span class="progress-bar-value">4 Star</span> <div class="progress"> <div class="progress-bar-rating" style="width: 0%;" role="progressbar" aria-valuenow="0" aria-valuemin="0" aria-valuemax="100"></div> </div> <span>0%</span> </div> <div class="progress-bar-wrapper"> <span class="progress-bar-value">3 Star</span> <div class="progress"> <div class="progress-bar-rating" style="width: 0%;" role="progressbar" aria-valuenow="0" aria-valuemin="0" aria-valuemax="100"></div> </div> <span>0%</span> </div> <div class="progress-bar-wrapper"> <span class="progress-bar-value">2 Star</span> <div class="progress"> <div class="progress-bar-rating" style="width: 0%;" role="progressbar" aria-valuenow="0" aria-valuemin="0" aria-valuemax="100"></div> </div> <span>0%</span> </div> <div class="progress-bar-wrapper"> <span class="progress-bar-value">1 Star</span> <div class="progress"> <div class="progress-bar-rating" style="width: 0%;" role="progressbar" aria-valuenow="0" aria-valuemin="0" aria-valuemax="100"></div> </div> <span>0%</span> </div> </div> </div> </div> <div class="box-collateral box-reviews col-7 col-md-6 col-sm-12 float-md-left" id="customer-reviews">  <dl class="product-review-list-parent"> <div class="review-container "> <dt> <h4 class="review-title"> Info I need is all here </h4><p class="review-author">By Dwight K.</p> </dt> <dd> <div class="rating-box"> <div class="rating" style="width:100%;"></div> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> </div> New edition (15th) contains thorough update of last edition. The text is easy to follow, but must be read carefully, not because text is unclear, but because so much information is contained in every paragraph. The material is arranged so reader can quickly find sections that deal with areas of his particular interest. I like the technique of including repeated warnings in all appropriate sections of deadly pitfalls and critically important rules. Along with the book, the reader can access a dedicated webpage with information and updates on Nolo.com. <small class="date"><p class="review-date"> Posted on 6/28/2023</p></small> </dd> </div> <div class="review-container "> <dt> <h4 class="review-title"> Outstanding source for understanding retirement plan withdrawals. </h4><p class="review-author">By R J W.</p> </dt> <dd> <div class="rating-box"> <div class="rating" style="width:100%;"></div> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> </div> Very informative content, very well organized. Best of several books I’ve read for understanding options when contemplating retirement when you hold one or more retirement plans. <small class="date"><p class="review-date"> Posted on 6/28/2023</p></small> </dd> </div> <div class="review-container "> <dt> <h4 class="review-title"> GREAT RESEARCH TOOL HIGHLY RECOMMEND </h4><p class="review-author">By William C.</p> </dt> <dd> <div class="rating-box"> <div class="rating" style="width:100%;"></div> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> </div> This is a great starter tool! I saved dollars by preparing my self to ask the right questions to my attorney, about how to divide retirement plans in divorce. <small class="date"><p class="review-date"> Posted on 6/28/2023</p></small> </dd> </div> <div class="review-container hide-review"> <dt> <h4 class="review-title"> Review </h4><p class="review-author">By Donald H.</p> </dt> <dd> <div class="rating-box"> <div class="rating" style="width:100%;"></div> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> </div> I have not found a question that this book fails to answer. <small class="date"><p class="review-date"> Posted on 6/28/2023</p></small> </dd> </div> <div class="review-container hide-review"> <dt> <h4 class="review-title"> Review </h4><p class="review-author">By Javier A.</p> </dt> <dd> <div class="rating-box"> <div class="rating" style="width:100%;"></div> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> <i class="material-icons star star-full "> </i> </div> Just great <small class="date"><p class="review-date"> Posted on 6/28/2023</p></small> </dd> </div> </dl> <div id='load-more-comments-btn' class='btn btn-primary' data-totalreviews="5" data-magereviews="30" > View More Reviews </div> <script type="text/javascript"> (function($) { var pageToFetch = 2; var maxPages = 1; $('#load-more-comments-btn').on('click', function(e) { $('.review-container').each(function() { $(this).removeClass('hide-review'); }); if (pageToFetch > maxPages) { return false; } e.preventDefault(); var btn = $(this); btn.html('<i class="fa fa-spinner" aria-hidden="true"></i> Loading'); btn.addClass('disabled'); $.get('https://store.nolo.com/products/review/product/loadMore/id/39971/' + 'page/' + pageToFetch) .done(function(response) { btn.html('Show more'); btn.removeClass('disabled'); console.log(response.body); if (response && response.success) { $('.product-review-list-parent').append(response.body); pageToFetch++; } else { if (response.error) { alert(response.error); } else{ alert('Loading more comments failed. 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Please try again later.'); }); return false; }); })(jQuery); </script> </div> </div> <div id="product-upsell" class="product-upsell col-12 "> </div> </div> <div class="product-right-region rt hidden-sm hidden-xs"> <div id="product-add-to-cart" class="sticky-top"> <div class="add-to-cart-box hidden-xs"> <div class="box-content"> <div class="box-bd"> <form action="https://store.nolo.com/products/checkout/cart/add/uenc/aHR0cHM6Ly9zdG9yZS5ub2xvLmNvbS9wcm9kdWN0cy9pcmFzLTQwMS1rLXMtb3RoZXItcmV0aXJlbWVudC1wbGFucy1yZXQuaHRtbD9fX19TSUQ9Uw,,/product/39971/form_key/8Ja5udQsqCgBI2n4/" method="post" id="product_addtocart_form"> <input name="form_key" type="hidden" value="8Ja5udQsqCgBI2n4" /> <div class="hide"> <input type="hidden" name="product" value="39971" /> <input type="hidden" name="related_product" id="related-products-field" value="" /> </div> <script> $j(document).ready(function() { var _catalogFormKey = $j('input[name="form_key"]'); if (_catalogFormKey) { _catalogFormKey.each(function() { var self = $j(this); var _clossestForm = $j(self.closest('form')); var _formAction = _clossestForm.attr('action'); if (self.val() && _formAction) { _clossestForm.attr('action', _formAction.replace(self.val(), FORM_KEY)); } self.val(FORM_KEY); }); } }); </script> <div class="product-options" id="product-options-wrapper"> <dl class="product-options-top configurable"> <dt><h3>Select Your Format</h3></dt> <dd> <div class="input-box" style="display: none; visibility: hidden;"> <select name="super_attribute[221]" id="attribute221" class="required-entry super-attribute-select"> <option>Choose an Option...</option> </select> </div> <div class="input-box product-price-overview"> <div class='format-wrapper'> <div class='current-format'> <div class='type'>eBook </div> <div class='price'></div> <i class='material-icons arrow-down-white'></i> </div> <div class='format-selector mobile-closed'> <h4 class="product-format active" itemprop="bookFormat">eBook</h4> <h4 class="product-format book-ebook-button " >Book & eBook</h4> </div> <div class="format-types">Format: <a href="">PDF</a>, <a href="">EPUB</a> </div> </div> <div class="product-configurable-select first active"> <div class="product-add-to-cart-info"> <p id="product-price-39951-from-product-view" class="product-price test-06 configurable-price" itemscope itemtype="http://schema.org/Offer"> <span class="price"> <meta itemprop="priceCurrency" content="USD" /> <span itemprop="price">$25.99</span> </span> </p> <p class="discount-price"> <span class="msrp">$35.99</span> <span class="discount">27% OFF</span> </p> </div> <div class="product-add-to-cart-actions"> <button onclick="$('attribute221').selectedIndex = 1; spConfig.configureManually($('attribute221')); productAddToCartForm.submit(this)" class="button btn-cart-buy-now btn btn-warning btn-block " title="Add to Cart" type="button">Add to Cart</button> </div> </div> <div class="product-configurable-select last"> <div class="product-add-to-cart-info"> <span class="more-info-container"><a href="#" onclick="window.open('http://www.nolo.com/ebook/book-and-ebook-bundle','','left=200, top=200, location=0, status=0, scrollbars=1,width=600,height=700');">MORE INFO</a></span> <p id="product-price-39961-from-product-view" class="product-price test-06 configurable-price" > <span class="price"> <meta itemprop="priceCurrency" content="USD" /> <span >$28.99</span> </span> </p> <p class="discount-price"> <span class="msrp">$35.99</span> <span class="discount">19% OFF</span> </p> </div> <div class="product-add-to-cart-actions"> <button onclick="$('attribute221').selectedIndex = 2; spConfig.configureManually($('attribute221')); productAddToCartForm.submit(this)" class="button btn-cart-buy-now btn btn-warning btn-block " title="Add to Cart" type="button">Add to Cart</button> </div> </div> </div> </dd> </dl> <script type="text/javascript"> var spConfig = new ProductConfigurableNolo.Config({"attributes":{"221":{"id":221,"code":"book_format","label":"Select Your Format","options":[{"id":"1131","label":"eBook (Downloadable)","price":"0","oldPrice":"0","products":["39951"]},{"id":"1121","label":"Book & eBook","price":"3","oldPrice":"3","products":["39961"]}]}},"template":"$#{price}","basePrice":"25.99","oldPrice":"25.99","productId":"39971","chooseText":"Choose an Option...","taxConfig":{"includeTax":false,"showIncludeTax":false,"showBothPrices":false,"defaultTax":0,"currentTax":0,"inclTaxTitle":"Incl. 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See http://gnu.org/licenses/lgpl.html for details.' + '\n\n' + 'Date selection:\n' + '- Use the \xab, \xbb buttons to select year\n' + '- Use the \u2039 buttons to select month\n' + '- Hold mouse button on any of the above buttons for faster selection.'; Calendar._TT["ABOUT_TIME"] = '\n\n' + 'Time selection:\n' + '- Click on any of the time parts to increase it\n' + '- or Shift-click to decrease it\n' + '- or click and drag for faster selection.'; Calendar._TT["PREV_YEAR"] = 'Prev. year (hold for menu)'; Calendar._TT["PREV_MONTH"] = 'Prev. month (hold for menu)'; Calendar._TT["GO_TODAY"] = 'Go Today'; Calendar._TT["NEXT_MONTH"] = 'Next month (hold for menu)'; Calendar._TT["NEXT_YEAR"] = 'Next year (hold for menu)'; Calendar._TT["SEL_DATE"] = 'Select date'; Calendar._TT["DRAG_TO_MOVE"] = 'Drag to move'; Calendar._TT["PART_TODAY"] = ' (' + "today" + ')'; // the following is to inform that "%s" is to be the first day of week Calendar._TT["DAY_FIRST"] = 'Display %s first'; // This may be locale-dependent. 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