Clear guides for 401(k), SIMPLE IRA, and 403(b) plans
Understand the rules, deadlines, penalties, and strategies for RMDs and moving money between accounts. Updated for 2026.
Starting ages, deadlines, penalties, and the still-working exception.
How 401(k), SIMPLE IRA, and 403(b) differ for RMDs and rollovers.
Direct vs indirect, Roth conversions, and the RMD-first rule.
Special transfer restrictions during the first two years.
Simple calculator using the Uniform Lifetime Table.
Primary sources for current rules.