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  1. Are there any restrictions on assets that can be used for unforeseen emergencies? For example, can earnings on employer and employee contributions be used? Employer contributions? Is there any reason to tract employer and employee contributions separately?
  2. [beginning 1/1/09 can an individual self-certify that he/she has a disability?
  3. If an employee has traditional and Roth 403(b) accounts under the same plan and must take RMDs, does the employee determine the RMD for each of these types of accounts separately? Can the employee choose to take the RMDs from either the Roth or the Traditional account? or, does the employee need to take RMDs from each type?
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