Roth Individual Retirement Account (Roth IRA)
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- Buck Dixon
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1 Preface A Roth IRA is an asset accumulation and distribution program that has been granted special tax consideration. It has the following characteristics: Contributions Are Not Deductible Funding costs are not deductible from current taxable income. Tax Free Growth As values grow, earnings are not subject to income tax. Tax Free Distributions Contributions can be withdrawn at any time on a tax free basis. Distributions of earnings are tax free provided they begin no earlier than age 59½. Exceptions are allowed under certain circumstances that allow earlier tax free distribution of earnings. Required Minimum Distributions There are no required minimum distributions which creates an environment for considerable wealth accumulation for the account holder as well as heirs. Conversion to a Roth from an Existing IRA Such conversions are allowed provided income tax is paid on the taxable portion of funds being converted. As a result of the dynamic combination of tax free growth and tax free distributions, a Roth IRA can be virtually irresistible. The accompanying material should be helpful to you in analyzing your use of such a plan. $800,000 $736,290 $600,000 $557,951 $400,000 $200,000 $ Age At Year 50 Contributions (Cumulative) $70,000 Tax Free Distributions (Cumulative) $736,290 $557,951 $70,000 Page 1 of 6
2 Accumulation Initial 50,000 Yield 7.50% Year Age (1) Beginning of Year Balance in (2) Conversion from Other Retirement (3) Contribution to the (4) Beginning of Year (5) Year End , ,500 53,500 57, , ,500 61,013 65, , ,500 69,089 74, , ,500 77,771 83, , ,500 87,104 93, , ,500 97, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 results are hypothetical only. Actual results will vary due to changes in contributions and withdrawals, income tax brackets, and investment performance. Page 2 of 6
3 Distribution Yield 7.50% Year Age (1) Beginning of Year Balance in (2) Tax Free Scheduled Distribution (3) Year End ,331 24, , ,097 24, , ,996 24, , ,037 24, , ,231 24, , ,590 24, , ,126 24, , ,852 24, , ,782 24, , ,932 24, , ,318 24, , ,958 24, , ,871 24, , ,078 24, , ,600 24, , ,461 24, , ,687 24, , ,305 24, , ,344 24, , ,836 24, , ,815 24, , ,317 24, , ,382 24, , ,052 24, , ,372 24, , ,391 24, , ,162 24, , ,740 24, , ,187 24, , ,567 24, , ,290 results are hypothetical only. Actual results will vary due to changes in contributions and withdrawals, income tax brackets, and investment performance. Page 3 of 6
4 A Look at Age 94 70,000 Cumulative Contributions 557, ,290 1 Cumulative Tax Free Distributions 1 Includes an assumed initial balance in the account of $50,000. Page 4 of 6
5 Accumulation and Distribution Cumulative Contributions $1,000k Cumulative Contributions 750k 500k 250k 0 $70,000 Age Cumulative Tax Free Distributions $1,000k $1,000k Cum. Tax Free Distributions 750k 750k $736, k $557, k 250k 250k 0 Age Age Includes an assumed initial balance in the account of $50,000. Page 5 of 6
6 Accumulation and Distribution Summary $800,000 $736,290 $600,000 $557,951 $400,000 $200,000 $70,000 $ Age At Year 50 Contributions (Cumulative) $70,000 Tax Free Distributions (Cumulative) $736,290 1 $557,951 1 Includes an assumed initial balance in the account of $50,000. Page 6 of 6
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