Tax-Free Retirement


Strategies to Save For Retirement

Contributions to a Traditional IRA, made on a before-tax basis, are tax-deductible, but all income received is taxed as ordinary income. Early withdrawals before age 59½ may incur a 10% penalty, potentially exposing you to higher future tax rates. With the expectation of rising taxes, this could significantly impact retirement income. In contrast, Roth IRA contributions are taxed before deposit, offering tax-exempt withdrawals for both contributions and earnings, shielding against potential tax rate increases.

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