Keep More, Worry Less
Your Strategic Guide for Retirement Income
Your step-by-step guide to making retirement assets work for you.
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Finance Planning
Retirement Planning
Tax Saving Strategies
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The most common types of accounts used for retirement savings are referred to as qualified accounts. They are “qualified” because Congress created them to offer specific tax benefits.
The main benefit is that earnings – either income or gains – are exempt from tax for as long as they remain in the account. That means more of your money works for you.
Earnings are taxed when they are distributed from the account and additional penalties may apply if that happens before meeting certain age requirements.
A Roth IRA is similar to the Traditional IRA in many ways. However, Roth IRAs are funded with after-tax dollars, so contributions are not deductible. There are income eligibility restrictions, which exclude some high-income taxpayers from contributing to a Roth IRA. Distribution rules are the same as a Roth 401(k).
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