Roth IRA

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

At a Glance

What should you know about a self-directed Roth IRA?

Tax Benefits

Qualified distributions of Roth IRA earnings are completely tax free, regardless of the amount.
Investment earnings are tax free.
Roth IRA contributions are not tax deductible, but they can be distributed tax free at any time regardless of your age.
If you are currently in a lower tax bracket, it can be advantageous to contribute to a Roth IRA now.

Other Benefits

Roth Conversion Benefits

What should you know about Roth conversions?

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.

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.

Distribution Rules

What should you know about Roth IRA distributions?

General Distribution Facts

To qualify for tax-free distributions, the Roth IRA holder must be at least 59 ½ years of age, and the Roth itself must be at least five years old.
Unlike with a Traditional IRA, Roth IRAs do not carry required minimum distribution obligations.
You can execute a Roth conversion of your account-held assets in kind, so there isn't a need to sell your rental property or cash in your private equity holdings.

Early Distribution Facts

Getting Started

How do you fund your Roth IRA account?

Contributions

If you have earned income for a given year, you can make a Roth IRA contribution based on your income level.

In 2024, you can contribute up to $7,000 per year if you are a single earner under age 50 and your Modified Adjusted Gross Income (MAGI) is under $153,000. Those age 50 and older 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 conversion.

Rollovers

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

Other Investments

ROI is everywhere if you know where to look

No financial advisor knows you better than yourself. With a self-directed Roth IRA, you have the freedom to invest your tax-advantaged retirement funds in the assets you’re most passionate about.

From real estate to start-ups to small businesses, if you can find it, we will help you fund it.