Roth IRA Options

Let a Roth IRA Help You Live a Tax-Free Retirement!

Your IRA is taxable once you begin taking distribution or income. Depending on your tax bracket, after federal and state taxes are paid, you could lose as much as 40% to taxes.

Even worse, at age 70 1/2 the federal government requires you to begin taking a minimum distributions(RMDs) from your IRA, which could thrust you into the a higher tax bracket and wreak havoc on your retirement income plan, including the amount of tax you will owe on your social security benefits.


The good news is that with a little advance planning, you can systematically convert your taxable IRA into a tax-free Roth IRA.

Here’s how we do it.​

The accountants at Montini&Co will prepare a tax model for you prior to year end.


This will let us determine how much of your IRA can be converted while still keeping you under the next tax threshold. Our goal to pay a minimal amount of tax today, while protecting against potentially higher tax rates tomorrow.

Watch the Social Security Tax Webinar REPLAY!

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