退休计划快速参考指南

2026 Quick Reference Guideto Retirement Plans April 2026 1Source: http://www.irs.gov/publications2A deductible IRA contribution is available to a spouse not covered by an employer plan who files a joint return with someone who is if MAGI is less than $246,000.Source: https://www.irs.gov/publications/p590a3Maximum restrictions; less restrictive eligibility requirements may be selective by the employer.*Before taking any distributions from your retirement account, check with your tax advisor for additional information about taxes or penalties that may or may notapply to you.†Distributions from Roth IRAs are considered to come from contributions first, followed by converted funds and then earnings. This content is for informational and educational purposes only and is not intended to provide or should not be relied upon for legal, tax, accounting, or investment advice or arecommendation to buy or sell any security. Investment advice and recommendations can be provided only after careful consideration of an investor’s objectives, guidelines, andrestrictions. We recommend that you consult your attorney, tax advisor, investment or other professional advisor about your particular situation. An IRA rollover may not besuitable for all investors. A decision to roll over plan assets to an IRA should reflect consideration of various factors including the benefits of your existing plan, investment options,expenses, services, creditor protection, employer stock holdings and anticipated withdrawals and distributions, the importance of which depend on the customer’s individualneeds, circumstances and options. Any investment or strategy mentioned herein may not be suitable for every investor. Factual information has been taken from sources we believeto be reliable, but its accuracy, completeness, or interpretation cannot be guaranteed. Information or opinions expressed are current as of the date appearing in this material onlyand are subject to change without notice.