Roth individual retirement accounts, or Roth IRAs, provide a key benefit that most traditional retirement
accounts don't: tax-free earnings. That means you can save for your future without cutting into it.

And unlike traditional IRAs, you don't have to draw on your Roth IRA when you reach the age of 70 1 2 .
If you're able to live on the resources you have, you can leave your Roth IRA completely untouched,
ready when you really need it.

Furthermore, if you are over 59 1 2 years old and have had your Roth IRA for at least five years, or if
you're about to make a qualified first-time home buyer purchase, you can take early distributions without
paying the early distribution penalty. Talk about flexibility!

Your retirement should create anticipation, not anxiety. I can help you examine all of the facts, so you
can make the right decision for you.

Together we can look at:

•  How much you can contribute in a given year
•  When you should and shouldn't roll over a traditional IRA into a Roth IRA
•  When having too many contributions and earnings costs you
•  How non-qualifying distributions affect you

I welcome the opportunity to meet with you to discuss your retirement plan and how a Roth IRA may be
a good investment for your future.

Please note the information above is intended to provide generalized information that is appropriate in certain situations. It is not intended or written to be used, and it cannot be used by the receipient, for the purpose of avoiding federal tax penalties that may be imposed on any taxpayer. The contents of the information provided below should not be acted upon without specific professional guidance. Please call us if you have any questions.