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  • Roth IRA

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    The Roth IRA is much like a Traditional IRA. The big difference is the tax treatment. Contributions to a Roth IRA are not deductible, but your investment earnings over the years can be tax-free.


    The Basics on Roth IRAs:

    • Allow you to invest after-tax dollars, let the investment grow tax-deferred, and take qualifying withdrawals tax-free
    • Have no age limit on making contributions

    You Can Contribute:

    • At any age
    • If you have earned income from employment
    • Up to a maximum of $5,500 if individual adjusted gross income is less than $122,000
    • Up to a maximum of $11,000 for married couples filing jointly if their adjusted gross income is less than $178,000

    Increased Portability Between Plans

    There is increased “portability” between retirement plans, allowing movement of money between Qualified Retirement Plans and Individual Retirement Accounts. Money can be moved from a Traditional IRA to a Roth IRA.

    Withdrawal Requirements

    Unlike Traditional IRAs, there is no required minimum distribution at age 70½ . Your earnings can continue to grow until you need them.

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