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Which IRA is Best?

When determining which IRA is best for you, your choice should be based on three factors:

  1. Eligibility

  2. Your particular tax situation

  3. When you plan to begin withdraws

The Traditional IRA allows tax-deferred growth and may give you an "up front" tax deduction if you are eligible. All withdrawals are subject to taxation. Your tax advisor may recommend a Traditional IRA if you are eligible to deduct your contributions and you believe you may be in a lower tax bracket at retirement when you make the withdrawals.

The Roth IRA grows tax-free, and qualifying withdrawals are also tax-free. However, the Roth IRA does not provide a tax deduction in the year of the contribution. Distributions from a Roth IRA are not mandatory, and this gives additional flexibility during retirement. The closer you are to retirement, the less time there is for earnings in a Roth IRA to grow tax-free, and thus, the shorter savings period reduces the advantages of the Roth IRA versus the Traditional IRA.

Latshaw Wealth Management, in partnership with your tax advisor, can explain a Traditional IRA, a Roth IRA, or discuss partial contributions to both a Traditional and a Roth IRA.

To speak directly with a financial advisor about IRAs or IRA rollovers, please call (800) 434-4015.

Or, CLICK HERE to order a Rollover Kit for more information.

 
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LATSHAW WEALTH MANAGEMENT

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