Roth IRAs

A Roth IRA is a retirement account funded with after-tax dollars, which means contributions have already been taxed. In exchange, qualified withdrawals—including growth—are generally tax-free. This feature makes Roth IRAs a valuable tool for balancing future tax exposure and creating long-term flexibility.

We help clients decide when Roth accounts make sense and how to use them intentionally alongside other account types. We actively manage the investments inside Roth IRAs, ensuring they are positioned appropriately given the tax-free growth these accounts provide. We also help clients determine contribution amounts and timing throughout the year, as every year is different, and can help you set up automatic investing to make the process seamless. Because Roth IRAs can provide tax-free income in retirement, they play an important role in tax diversification and offer more control over how income is drawn over time. Unlike Traditional IRAs, Roth IRAs are not subject to required minimum distributions during the account owner's lifetime. This provides additional planning flexibility—not everyone needs to live off retirement account income, so the absence of RMDs allows for better control and coordination within an overall tax strategy.

Roth IRAs can also be a better legacy planning tool than Traditional IRAs for clients who may leave assets behind to children or other beneficiaries. We manage Roth IRAs as part of an overall strategy, ensuring they are used thoughtfully and aligned with your goals over time.