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Retirement account balances hit a record high, reaching $36.7 Trillion in the Second Quarter of 2023. This increased balance is excellent news for retirement account owners and their beneficiaries. But sadly, retirement account balances could be lost to avoidable taxes and penalties because of mistakes and/or unfamiliarity with the governing rules. Join retirement expert Denise Appleby as she explains how these mistakes are often made and what you can do to protect your clients’ IRAs. Topics Denise will cover include real-life case studies and practical examples.

Special Note: This program is also approved for two CE credit hours for Investment Advisor Representatives.

Attendees will learn the following:

  • The 6% excise tax and how to avoid it.
  • The 10% additional tax and how to avoid traps for the unwary
  • How to avoid or escape the 25% RMD penalty on RMD shortfalls.
  • The 100% taxability: How an impermissible portability move could result in 100% loss of tax-deferral and the protective measures that can prevent that.


*CE/CPE Eligible: 2 CE credits are available to subscribers with these designations: CFP, CLU, ChFC and RICP. CPA subscribers will earn 2 CPE credit. Special Note: This program is also approved for two CE credit hours for Investment Advisor Representatives.

Field of Study: Specialized Knowledge

Prerequisites: There are no prerequisites for this session.

Advanced Preparation: None

Program Level: Basic

Delivery Method: Group Internet Based

NASBA Approved

Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website:

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