RMD E-Mail - TDA Institutional



Re: Important Information about Your 2011 Required Minimum Distribution

Dear Valued Client,

We have important information regarding your Qualified Retirement Account (QRP) ending in .

The Internal Revenue Service (IRS) requires you to take an annual Required Minimum Distribution (RMD) from your QRP starting with the year you reach the age of 70 ½.

Our records indicate you may have an RMD remaining to be satisfied for Tax Year 2011.

To assist you, we can provide you with a calculation of your RMD amount upon request.

RMDs must be withdrawn prior to December 30, 2011. However, if this is your first distribution year (meaning you have turned or will turn 70-1/2 during this calendar year), you may defer your first distribution until April 1, 2012; but for each subsequent year (starting with the 2012 tax year) you must make your withdrawal on or before December 31.

Note: If you are still actively employed, you may be able to delay taking your RMD for 2011. Please contact your plan administrator for more details.

Please note that if your withdrawal request is below the minimum requirement or is not processed on or before the deadline, the IRS may impose a 50% penalty on the amount not distributed as required.

We suggest that you seek the advice of your Advisor or a tax-planning professional to discuss your calculation and the tax implications of this distribution.

If you have any questions, please contact your Advisor or call TD Ameritrade Institutional at 800-431-3500, option 2.

Sincerely,

John V. Tovar

Managing Director, Brokerage Services

TD Ameritrade Institutional

TD Ameritrade Institutional does not provide tax advice. We suggest you consult with a tax-planning professional with regard to your personal circumstances.

TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC/NFA. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2011 TD AMERITRADE IP Company, Inc. All rights reserved. Used with permission.

TDAI 3785 L 11/11

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