Grow your retirement savings tax-free and enjoy income you won’t owe taxes on in the future.
A Roth IRA is one of the most powerful tools for long-term retirement planning. Unlike traditional retirement accounts, a Roth IRA allows your money to grow tax-free, and you can withdraw your savings 100% tax-free in retirement—as long as you follow IRS guidelines.
Whether you want to contribute monthly, annually, or roll over a lump sum, a Roth IRA gives you complete control over building a secure financial future.
⭐ Why Choose a Roth IRA?
✔ Tax-Free Growth
All gains inside a Roth IRA—interest, dividends, and market growth—accumulate tax-free.
✔ Tax-Free Retirement Income
Withdrawals after age 59½ are completely tax-free if the Roth has been open for at least 5 years.
✔ No Required Minimum Distributions (RMDs)
Unlike 401(k)s and Traditional IRAs, you are never forced to take withdrawals.
✔ Flexible Contribution Options
You can fund a Roth IRA using:
- Lump-sum contributions
- Monthly automatic contributions
- Annual contributions up to IRS limits
✔ Protects You From Higher Future Taxes
If tax rates rise, Roth IRA income is unaffected—giving you more predictability in retirement planning.
💰 Contribution Options
✔ Monthly Contributions
Great for building retirement savings over time with small, consistent deposits.
Helps take advantage of dollar-cost averaging.
✔ Lump-Sum Contributions
Ideal for someone who receives:
- Bonuses
- Tax refunds
- Inheritances
- Savings they want working immediately
Lump sums begin compounding tax-free right away, potentially creating much larger long-term growth.
🔄 Can You Roll Over Money Into a Roth IRA?
Yes. You may be able to convert:
- Traditional IRA
- 401(k)
- 403(b)
into a Roth IRA through a Roth conversion.
Taxes may apply—but future growth becomes 100% tax-free.
We can help you compare whether a conversion is the right move.
🔐 How LifeCare Benefit Services Helps
We help you:
- Compare Roth IRA options
- Design a tax-efficient retirement plan
- Determine contribution amounts
- Analyze whether a conversion makes sense
- Build a Roth IRA strategy that fits your income and long-term goals
Our goal is to make tax-free retirement simple, safe, and personalized.