After-tax contributions
Contributions are generally made with money that has already been taxed and are not federally tax-deductible.
ROTH IRA
Create a source of potentially tax-free retirement income.
A Roth IRA is an individual retirement account funded with after-tax dollars. Qualified withdrawals can be federal income-tax-free when IRS requirements are met, making it a useful option for some long-term retirement strategies.
ROTH IRA
Pay taxes now, then plan for qualified tax-free withdrawals later.
Roth IRA eligibility, contribution limits, and withdrawal rules are established by federal tax law and can change. Contributions are not deductible, and investment values can rise or fall. Retirement Specialists can help you understand the role a Roth IRA may play alongside your workplace plan and other retirement resources.
Qualified withdrawals
Earnings may be withdrawn federal income-tax-free when the five-year rule and a qualifying condition are satisfied.
Flexible contributions
Regular contributions—not earnings—can generally be withdrawn without federal income tax or penalty, although ordering rules apply.
Long-term coordination
A Roth IRA may complement a 403(b), pension, Social Security, annuity, or other retirement strategy.
QUESTIONS WORTH ASKING
Review the details before moving forward.
✓Are you eligible to contribute based on current IRS rules?
✓How much can you contribute this year?
✓How long until you expect to use the money?
✓How will the account be invested?
✓Have you considered the five-year rule?
✓Should you consult a tax professional before making a decision?
START WITH A CONVERSATION
Bring your questions. Leave with greater clarity.
Schedule a complimentary, no-pressure conversation about your goals and options.