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Category Archives: IRA Education

IRA myth debunked: I can only invest my IRA where the account is held

A commonly used stat in our industry is that only 3% of IRA holders know that they may invest in alternative assets with retirement funds. But there is another large group of IRA holders that are unaware about a critical feature of their retirement savings accounts. Many IRA holders believe they can only invest IRA […]

Clarifying the concept of tax-deferred

The Self-Directed IRA is a tax-advantaged retirement savings vehicle, and depending on the type of account you choose, your retirement savings could be tax deferred. With some accounts, contributions grow tax deferred, and with others, distributions will be tax free upon withdrawal. Investors that hold a Traditional IRA have a tax-deferred retirement account, but many […]

The Roth IRA Five-Year Rule: Conversions

We previously touched on the five-year rule for Roth IRA withdrawals. But did you know there is a second five-year rule with Roth IRAs? A five-year rule also applies when converting a Traditional IRA to a Roth. While the amount converted is subject to income tax at the time of conversion, excluding any after-tax contributions, […]

The Roth IRA Five-Year Rule: Withdrawals

Did you know that withdrawals from a Roth IRA may be completely tax and penalty free if the retirement account holder has held the Roth IRA for more than five years and meets at least one of four exemptions? Those exemptions are The account holder has reached age 59 ½ by the time of the […]

Traditional or Roth?

In a previous post, we discussed the process of converting a Traditional IRA to a Roth IRA. Sometimes it helps to simplify things a bit, so in this post, we briefly outline four notable characteristics of these two IRA types in the infograph below. Tax incentives may be most important to the majority of retirement investors when determining […]

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