Built by an 8-year retirement specialist from Schwab & TD Ameritrade · Education only, not selling advice
The retirement rules don't care if you understood them.
This site exists so you do.
Everyday-language breakdowns of IRAs, RMDs, rollovers, small-business plans, and the rules that cost people real money before they realize what happened.
What retirement-rule question are you trying to answer?
Start with the issue that could cost you money. RNR will help you understand the rule, the deadline, and what to review before you act.
Contribution mistake
Did you contribute too much, contribute for the wrong year, or find out your income may be too high? Learn the rule before you assume the contribution is fine.
Check if this applies to you →Tax surprise
Roth conversions can trigger problems when pro-rata rules, timing, RMDs, or income thresholds are misunderstood. Learn the traps before assuming the conversion is clean.
Learn about this issue →Missed RMD issue
A missed or short RMD may involve correction timing, penalty exposure, waiver rules, and Form 5329 reporting. Learn what matters before ignoring it or guessing.
Learn about this issue →Plan opportunity
SEP, SIMPLE, Solo 401(k), Safe Harbor 401(k), and Cash Balance plans do very different jobs. Learn which rules matter before assuming your current plan is the ceiling.
Learn about this issue →Where do you want to start?
I'm planning my own retirement
Tools, calculators, and reference content for the rules that affect your money.
See the tools →I'm a financial advisor or TPA
White-label tools, advisor resources, and partnership opportunities for retirement professionals.
For advisors →I just want to learn the rules
Plain-English breakdowns of IRAs, RMDs, rollovers, and retirement plan rules.
Browse the guides →From the Rundown
Recent Knowledge Blasts. Read them here, on this site.
Start here if you're not sure where to look.
Five pages that organize the most important retirement rules, deadlines, forms, and mistakes in one place.
10 Costliest Mistakes
The retirement account errors that generate the most damage. Each one links to the full breakdown.
10 Small Business Mistakes
The retirement plan errors business owners make with SEP, SIMPLE, and Solo 401(k) plans. The ones a CPA usually has to fix.
Rules by Age
Every age that triggers a new rule, unlocks a new option, or starts a new clock. 50 through 75+.
Every Deadline
Calendar deadlines, filing deadlines, and rolling windows. What happens when you miss each one.
IRS Forms Guide
1099-R, 5498, 8606, 5329, and every other form the IRS uses to track your retirement accounts.
Deep-Dive Guides
Long-form guides built to read once and reference often. Each one covers a single topic from top to bottom.
Roth Conversion Rundown
Tax hit, pro-rata trap, IRMAA surcharges, the 5-year rule, and when converting actually makes sense.
RMD Mistakes & Fixes
Missed RMDs, shortfalls, the double-distribution trap, Form 5329, and the penalty waiver process.
Traditional IRA
Contribution limits, deductibility, withdrawal rules, Roth conversions, and the mistakes most people make.
Rollover IRA
Direct vs indirect, the 60-day rule, the once-per-year limit, and why your statement isn't proof.
Planning Tools
Enter your numbers. See the answer. Each tool runs IRS formulas and shows you where you stand before you make a decision.
RMD & Roth Conversion Planner
Project RMDs through age 100 with tax bracket and IRMAA Medicare surcharge analysis.
IRA Pro-Rata Calculator
See the taxable percentage of your Roth conversion with Form 8606 breakdown and 401(k) workaround.
Excess Contribution Fix
Calculate the exact corrective withdrawal amount using the IRS NIA formula.
RMD Calculator
Calculate your Required Minimum Distribution using current IRS life expectancy tables.
Browse by Topic
{{POST_COUNT}} articles organized by subject. Pick a topic and go deep.
Rollovers & Transfers
The 60-day rule, direct vs indirect, the 20% withholding trap, and what can move where.
Required Minimum Distributions
Who must take them, at what age, how much, and what happens when you miss one.
Roth Conversions
The tax hit, the pro-rata trap, IRMAA exposure, and when it actually makes sense.
Small Business Plans
SEP IRA, SIMPLE IRA, and Solo 401(k) compared. Contribution math, Roth access, and deadlines.
Get the retirement rule mistakes most people learn too late
Daily: one retirement rule trap, why it happens, and the fix. Everyday-language IRS rule breakdowns from an 8-year Schwab/TD Ameritrade veteran. Free.
Education-only disclaimer
The Retirement News Rundown is for general education and information only. It does not provide individualized investment, tax, or legal advice, and it does not establish a client relationship with any firm or individual.
Always consult your own tax professional, financial advisor, or legal counsel before making decisions about your accounts, investments, or retirement strategy.