Financial Resources & News

What is the Roth 5-Year Rule?

Actually, there are three five-year rules you need to know about. The first five-year rule determines when you can begin receiving tax-free qualified distributions from your Roth IRA.  Withdrawals from your Roth IRA — including both your contributions and any investment earnings — are completely tax- and penalty-free if you satisfy a five-year holding period and one of the following...

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Tax-Free Investing with In-Plan Roth’s and Roth IRAs

By:  Crystal Kessler, CFP®, Wealth Advisor/Financial Planner There is a lot of confusion when it comes to In-Plan Roth’s (i.e., Roth 401k or Roth 403b) and a Roth IRA. Throughout this article we will refer to just Roth 401ks but know the rules we refer to for Roth 401ks apply to other In-Plan Roth’s like 403bs. It is important to realize that these are two completely different investment...

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