02/24/2026
Traditional IRA vs Roth IRA
Both are powerful retirement planning tools. The right choice depends on your income, tax bracket, and long term goals.
Traditional IRA
• Contributions may be tax deductible
• Money grows tax deferred
• Withdrawals in retirement are taxed as income
Roth IRA
• Contributions are made with after tax dollars
• Growth is tax free
• Qualified withdrawals are tax free
• No required minimum distributions
The key is not just choosing one. It is understanding how they fit into your overall financial and retirement plan.
Take time to review your current retirement accounts. Are you diversified from a tax standpoint? Do you know how your withdrawals will be taxed in the future? Are you contributing in the most efficient way based on your income today?
If you are not sure where to start or how much to allocate to each type of account, that is where planning makes the difference.
If you have any questions or want to schedule an appointment feel free to reach out