💼 Want expert help in planning for your financial future?

Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg 

You’ve worked hard to build up your Roth IRA, but one small mistake could turn “tax-free” income into a tax surprise. In this episode, Scott walks through the five essential steps to make sure your Roth IRA withdrawals remain completely tax and penalty-free. Follow the rules, track your timelines, and your Roth can become one of the most powerful tax-free tools in retirement.

Here’s what we cover in this episode:

💡 Tax-Free Roth Rules: understanding how Roth IRA withdrawals really work

🔄 Aggregation Rule: how the IRS treats all Roth accounts as one

💰 Withdrawals & Penalties: what you can access penalty-free and when conversions get tricky

⏳ The Five-Year Rule: why timing determines whether earnings stay tax-free

🧾 Tax Planning Tips: coordinating Roth withdrawals with your overall strategy

📞 Call us: 913-393-4724

🌐 Visit our podcast website:  https://listentoscott.com/

📚🛠️ Check out Scott's book, Exceptional Retirement, and Retirement Toolkit

Download here 👉 https://keap.page/bu413/exceptional-retirement-youtube.html

🎥 Subscribe to our YouTube channel for more retirement insights!

🔔 http://youtube.com/@erg-kc?sub_confirmation=1 

📰 Read our latest articles on Kiplinger:

https://www.kiplinger.com/author/scott-m-dougan-rfc-investment-adviser 

📌 Follow us for expert retirement planning tips!

https://www.facebook.com/elevatedretirementgroupkc/ 

#retirement #retirementplanning