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ACCOUNT TYPE

Roth IRA

A Roth IRA affords a unique opportunity to enjoy tax-free distributions, while investing in the alternative assets of your choosing.

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AT-A-GLANCE

What should you know about a Self-Directed Roth IRA?

Tax Benefits

Other Benefits

ROTH CONVERSION BENEFITS

What should you know about Roth Conversions?

All self-directed retirement accounts provide considerable benefits, but Roth IRAs are unique. By paying taxes on your contributions and waiting an appropriate amount of time, distributions of Roth IRA earnings can be 100% tax-free. Roth conversions allow you to “switch” your account type from Traditional to Roth by adjusting the tax situation of your plan. As of 2018, there are no limits on the number of Roth conversions you may execute, nor are there limits on the dollar amounts you may convert.

LONG-TERM STRATEGY SHIFT

Move your pre-tax cash and assets to a post-tax status. Pay taxes on the converted balance now to enjoy qualified tax-free distributions later.

HEDGE AGAINST RATE CHANGES

Income tax brackets are always subject to change. Regardless of your current tax rate, Roth conversions present the opportunity to pay zero taxes down the road.

PROMOTE GENERATIONAL WEALTH

Without the burden of required minimum distributions, your self-directed Roth IRA can continue to grow well into your retirement years.

Yes. The IRS requires annual (at a minimum) reporting on tax-advantaged accounts and the values of their holdings, even though qualified distributions from a Roth IRA would be 100% tax-free.

Yes. In fact, when there is an impending distribution or conversion of non-cash assets, there may be more formal valuation of those assets required.

If your previous retirement plan held only publicly traded securities such as stocks, mutual funds, or ETFs, your custodian would have reported the market value of those assets for you to the IRS. Publicly traded securities have an easily accessible market value; so, it is more cost effective for custodians of IRAs that only contain publicly traded securities to report the value without your participation.

In-Kind Conversions

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Qualified Distributions

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Re-Characterizations

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DISTRIBUTION RULES

What should you know about Roth IRA distributions?

Minimum Distribution Facts

Early Distribution Facts

AGE 55 AGE 58 AGE 60
You open a new self-directed Roth IRA and make a $5,000 contribution. You put the funds to work in the alternative IRA investments of your choosing and manage to earn $1,000 in your first year. You are now older than 59½ and it's been five years since your first contribution. You may therefore distribute the $1,000 your IRA earned without paying a penny in taxes! You must begin taking required minimum distributions (RMDs) every year. RMDs are calculated in accordance with your age and your account value.
AGE 55
You open a new self-directed Roth IRA and make a $5,000 contribution. You put the funds to work in the alternative IRA investments of your choosing and manage to earn $1,000 in your first year.
AGE 58
You are now older than 59½ and it's been five years since your first contribution. You may therefore distribute the $1,000 your IRA earned without paying a penny in taxes!
AGE 60
You must begin taking required minimum distributions (RMDs) every year. RMDs are calculated in accordance with your age and your account value.

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GETTING STARTED

How do you fund your Roth IRA account?

Contributions

As long as you have earned income for a given year, you can make a Roth IRA contribution or deposit of your personal money for said year. You can contribute up to $6,000 per year in 2020 and 2021. Account holders age 50 and above may contribute an additional $1,000 per year.

Transfers

Only another Roth IRA can be transferred to a Roth IRA; any other account type, such as a Traditional IRA, would have to be converted to a Roth status through a separate transaction process.

Rollovers

A Roth 401(k) and post-tax contributions to a Thrift Savings Plan can be rolled into a Roth IRA.

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OTHER INVESTMENTS

ROI is everywhere if you know where to look.

No financial advisor knows you better than yourself. With a Self-Directed IRA you have the freedom to invest your tax-advantaged retirement funds in the assets you’re most passionate about. From real estate to startups to small businesses to more “out there” opportunities, if you can find it, we will help you fund it.

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EDUCATION CENTER

Want to learn more about Roth IRA accounts?