Can I roll over my workplace retirement plan account into an IRA? Must I receive required minimum distributions from a SEP-IRA or Easy-IRA if I'm nonetheless working? Each enterprise homeowners and staff over age 70 1/2 should take required minimal distributions from a SEP-IRA or Simple-IRA. Nevertheless, your distribution can be includible in your taxable earnings and it could also be topic to a 10% additional tax if you are below age fifty nine 1/2. The additional tax is 25% if you take a distribution from your Easy-IRA in the first 2 years you participate in the easy IRA plan. For particulars, see rollovers of retirement plan distributions. The company provides each IRA companies and self-directed IRA plans, as well as other providers comparable to funding advisory companies, insurance coverage benefits, property planning, and extra.