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Retirement Plan Tax Reporting

Funds within your retirement plan are pre-tax (excluding Roth contributions) and gains are not reported to the IRS until the funds are removed from the plan. All withdrawals from your retirement plan (excluding loans*) will be reported to the IRS on a form 1099R for the year in which the distribution was processed. Even though all distributions are reported to the IRS, not all are taxable. Depending on the type of distribution requested will determine the tax implications. Please click here to see the different types of distributions. 

If a distribution was processed that requires reporting on a form 1099R, it will be issued by 1/31 of the year following the distribution. You will receive the 1099R by mail to your address of record. If you did not receive your form, please Contact Us to request a copy.

*Loans taken from your retirement plan are not reported to the IRS and no tax form will be issued. In the event payments cease and the loan defaults, the remaining outstanding balance will be reported as a distribution and a 1099R will be issued.