Tag
IRS rules
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What Happens to Your 401k When You Die? The Hidden Rules No One Explains
The problem isn’t just ignorance. The IRS and plan administrators move at different speeds, and the SECURE Act 2.0 (2022) rewrote the playbook for inherited...
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When Do I Get My W2? The Exact Timeline & Hidden Rules
The IRS deadline for W2s is January 31—but that’s just the start. Employers must mail paper copies by then, but digital W2s can arrive later, and delays...
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When Are RMDs Required? Decoding the Rules for Mandatory Retirement Distributions
Take the case of John, a 72-year-old retiree who missed his first RMD deadline by a week. The IRS didn’t care that he forgot. His penalty? $1,200—plus the tax...
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The Hidden Origins: When Did 401k Plans Start and Why It Changed Retirement Forever
The first time a 401k plan was legally recognized wasn’t in a corporate boardroom or a Wall Street deal—it was buried in a 1978 tax code amendment, a quiet...
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When Does RMD Start? The Exact Rules You Need to Know
What makes this rule especially tricky is how it varies by account type. A traditional IRA and a 401(k) don’t share the same starting point, and the transition...