Traditional & Roth IRAs Part B: Distributions, Taxation, Withholding & Penalties

Frontline & New Accounts IRA & HSA Operations Deposit Account Compliance

On-Demand Webinar:

StreamedOct 21, 2025Duration90 minutes

Unlimited & shareable access starting two business days after live stream
Available on desktop, mobile & tablet devices 24/7
Take-away toolkit
Ability to download webinar video
Presenter's contact info for questions

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Whether you are new to the IRA world or looking for an informative refresher on Traditional and Roth IRA rules, this program is for you.

Join us to explore IRA plan distributions, taxation, withholding, and penalty tax rules. This informative session will walk through the concepts that have the greatest impact on IRA owners and financial organizations.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

Explain Traditional and Roth IRA distribution requirements
State the tax implications of Traditional and Roth IRA distributions
Recall the IRA premature distribution penalty tax
Using a credible reference source, list the early distribution penalty exceptions
Understand federal tax withholding rules related to IRAs and confidently complete IRS Form W-4R
Define a Traditional, SEP, and SIMPLE RMD
Describe the RMD statement and report requirements
Identify the age at which an owner becomes subject to RMDs
Calculate an IRA owner’s RMD based on the applicable age and IRA balance

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WEBINAR DETAILS

At some point - preferably in retirement - IRA owners start dipping into their IRA savings. This program will convey key compliance and customer service considerations to know when processing IRA distributions requests. It will illustrate tax and penalty implications of owner distributions from their Traditional and Roth IRAs to help you understand what accountholders are grappling with (hopefully in partnership with competent tax professionals). Speaking of penalties, this seminar will help you categorize the various penalties to which IRA owners are subject. Finally, you’ll be refreshed on IRA withholding requirements – and contrast the 2023 requirements against those which you managed for years.

WHO SHOULD ATTEND?

This informative session is designed for those directly interfacing with IRA owners to accurately discuss IRA owner distribution tax and penalty implications regardless of their ages and RMD status. This webinar is appropriate for those to whom distribution questions or transactions are escalated, to steer staff toward tight and compliant distribution transactions. It is perfectly suited to IRA operational, supervisory, or managerial staff and licensed insurance and registered representatives.

TAKE-AWAY TOOLKIT

Job aids for:
- Calculating required minimum distributions
- Step-by-step IRA withholding
- IRA reporting
Employee training log
Interactive quiz
PDF of slides and speaker’s contact info for follow-up questions
Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.