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    • Roth IRA

      A Roth IRA is much like a Traditional IRA. The big difference is the tax treatment. Contributions to a Roth IRA are not deductible, but your investment earnings over the years can be tax-free.

      Roth IRAs allow you to invest after-tax dollars, let the investment grow tax-deferred, and take qualifying withdrawals tax-free. Roth IRAs have no age limit on those making contributions.


      You can contribute:

      • At any age
      • If you have earned income from employment
      • Up to a maximum of $5,500 if your adjusted gross income is less than $122,000
      • Up to a maximum of $11,000 if you are married and filing jointly and have an adjusted gross income of less than $178,000

      Increased Portability Between Plans

      There is increased “portability” between retirement plans, allowing movement of money between Qualified Retirement Plans and Individual Retirement Accounts. Money can be moved from a Traditional IRA to a Roth IRA.


      Withdrawal Requirements

      Unlike Traditional IRAs, there is no required minimum distribution at age 70½. Your earnings can continue to grow until you need them.

    • Now is the time to get started. Call us today at 314.862.8300 or stop by any location to create your retirement plan.

    • Differences Between a Traditional IRA and a Roth IRA
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