Personal Injury Third Party Settlement Verdict

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Substantially Equal Payments Relief
By Ken Morris

If you initiated early distributions from your Individual Retirement Account (IRA) in the last couple of years using a Substantially Equal Payment plan, your annual distribution amount may be more than your current account balance can bear. You may think there is nothing you can do to alter your distribution amount and slow down the depletion of your IRA account. This is not true. The IRS now permits you to make a one-time, permanent reduction to your annual distribution amount.

The primary purpose of an IRA is to accumulate assets for retirement. Therefore, distributions taken before age 59 1/2 are subject to a 10% premature distribution penalty, unless an exception applies. One such exception is...
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