The Benefits of the Roth IRA

The Roth IRA is designed to provide you with freedom and convenience: withdrawal flexibility, the choice to save tax free for as long as you like, and the convenience of using your Roth IRA assets to finance a new home purchase. Tax and penalty-free withdrawals of earnings after five years. The major benefit of your Roth IRA is that earnings in your account may never be subject to federal income tax. After your Roth IRA account has been open for five years, you can withdraw your investment earnings without paying a penalty if withdrawals are made:

After age 59 1/2
In the case of death
In the case of disability or for first home purchase (up to $10,000 may be withhdrawn free of federal tax or penalty)
Educational costs

Easy access to your retirement savings. The dollar amount of the contributions of your Roth IRA may be withdrawn at anytime without taxes or penalties. More years to save tax free. You can contribute to your Roth IRA for as long as you have earned income, unlike a Traditional IRA which requires that contributions stop at age 70 l/2. Additionally the Roth IRA does not require minimum distributions to begin at any time.

Tax-free savings for beneficiaries. In most cases, yon can pass the assets in your Roth IRA on to your heirs, allowing them to benefit from federally tax-free savings.

Call now to learn more about the many advantages!
Remember we are the Retirement Resource...

Ann Wolfson Associates
White House, 7030 E. Genesee St.
Fayetteville, NY 13066
315-449-4730
Email: wolfsoa1@ae.cadaretgrant.com
Securities offered through Cadaret Grant & Co. Inc. Member NASD/SIPC 4769 Buckley Road Liverpool, NY (315) 451-5885