Roth Strategies
In short
Roth accounts flip the usual tax logic. You contribute after-tax dollars, and qualified growth and withdrawals come out tax-free. In a self-directed Roth IRA or Roth Solo 401(k), that tax-free treatment extends to whatever the account holds, including real estate, private equity, and other alternative assets.
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How Roth IRAs work
A Roth IRA reverses the usual retirement account tax order: you contribute money you have already paid tax on, and everything that grows from that point forward, including qualified distributions in retirement, comes out tax-free. The tradeoff is not ...
Read articleHow a Roth Solo 401(k) works
For self-directed investors, tax treatment at exit is everything. In a tax-deferred account, every dollar of gains from a private equity position that returns ten times your investment, a rental portfolio that appreciates for thirty years, or a ...
Read articleRoth IRA conversions
A Roth conversion moves money from a tax-deferred account, a Traditional IRA, SEP IRA, or similar, into a Roth IRA. The converted amount counts as taxable income in the year you convert, but every dollar of growth from that point forward compounds ...
Read articleBackdoor Roth IRA contributions
Roth IRAs offer tax-free growth and tax-free qualified distributions, but there's a catch: earn too much, and you can't contribute directly. A backdoor Roth is a two-step workaround for investors whose income is too high for a direct Roth ...
Mega backdoor Roth Solo 401(k)
Most retirement savers hit a Roth ceiling well before they run out of money to save. The Mega Backdoor Roth works around that ceiling using a contribution type many people don't realize exists: after-tax, nondeductible employee contributions, which ...
The Roth 5-year rules explained
You've worked hard to accumulate Roth savings, and the whole point of that effort is distributions that come out entirely tax-free. Getting there means aligning your distribution timing with the IRS holding period rules. Most people hear "the Roth ...
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