Individual & Roth IRAs
Your Path to a Secure Retirement Starts Here
Planning for retirement is more than just a savings account—it’s about choosing the right strategy to make your money work harder. At Alegria Asset Management, we help you navigate the complexities of Traditional and Roth IRAs, so you can feel confident about your future.
Understanding Your IRA Options
Both Traditional and Roth IRAs are great tools to help you save for retirement, but they work in different ways.Â
Traditional IRA
Contributions are made with pre-tax dollars, reducing your taxable income now. You’ll pay taxes on withdrawals in retirement.
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Immediate tax deduction on contributions (depending on your income level).
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Tax-deferred growth on your investments.
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Ideal if you expect to be in a lower tax bracket in retirement.
Roth IRA
Contributions are made with after-tax dollars, meaning you won’t get a tax break today, but your withdrawals in retirement are tax-free.
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Tax-free withdrawals in retirement.
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No required minimum distributions (RMDs) during your lifetime.
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Ideal if you expect to be in a higher tax bracket in retirement.
Which IRA Option is Right For You?
Not sure which account makes the most sense for your retirement plan? That’s where we come in. At Alegria Asset Management, we evaluate your current financial picture, future goals, and tax considerations to recommend the best retirement savings strategy.