Roth IRA

Rolling Over 401k to Roth IRA

A 401(k) is a tax-deferred form of saving for retirement plans available to an organization’s employees. All of its listings are maintained by the business or its executive team. The 401(k) is designed to charge the employee’s income for the retirement savings. Even so, only a portion of earnings is deducted for IRAs. You’ll have to pay the tax bill on the amount you withdraw, just like a Traditional IRA.

Employees are not required to go through any checks and controls for the 401(k) plan. The technique is known as tax deferral, and it indicates that a percentage of their pay is allocated to retirement funds. The funds are structured to operate at a predetermined risk tolerance level, and workers are not authorized to invest in excessively competitive sources.

The organizations decide on a deposit line-up, primarily made up of mutual funds. Mutual funds are a secure method to save since they are administered by a team of experts in the field. Although the total cost is more significant than exchange-traded funds, they are far more risk-tolerant.

Individuals can use their post-tax money to invest with a Roth IRA in several ways. As a result, the amount of gain you get at the occurrence is tax-free. When you withdraw from a Roth IRA, you will have a robust and substantial balance.

The first and most noteworthy advantage of a Roth IRA is that there are no required minimum distributions or RMDs. So, even if you’re above 70, you won’t have to take any money out to pay your taxes. This is true for Traditional IRA.

Roth IRAs are well-known since they allow you to invest tax-free. A Roth IRA has a reduced contribution limit than a Traditional IRA or 401(k) plan. Employees or job holders are the only ones who may participate in 401(k) schemes. On the other hand, individuals with Roth IRAs can file independently or combined, and single persons with families can apply as long as they have a practical and legal source of income.

Another notable aspect of Roth IRAs is that they are entirely insured. Banks hold Roth IRAs and keep them insured. The coverage may not be for significant damages, but the insurance will step in in the case of a crash. An IRA can be insured for up to $250,000.

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What is a 401(k) Rollover?

401k Rollover

If you have an employer-sponsored plan, you can rollover your present savings to a new account, particularly in an IRA. The rollover typically occurs when an individual changes employment or approaches retirement. Rolling over an old 401(k) is advisable if you have one.

A rollover 401(k) meaning will be withdrawing the funds from one individual retirement savings and depositing them in another. And, like with the preceding IRA, the new account will provide tax advantages, and in general, you can move money from a 401k to an IRA or into a Roth IRA.

This is not always obligatory to roll over your 401(k) to an IRA; you can just pick a new 401(k) at your new workplace. However, there are loads of options for 401(k) rollovers, the most well-known of which is the rollover of a 401(k) to a Roth IRA. We have included all of the relevant information concerning the rollover procedure and the implications of rollover in this article.

How to Rollover a 401(k) to a Roth IRA?

Rolling 401(k) into Roth IRA is a taxable occurrence. In the case of a 401(k) TO Roth IRA, you must pay taxes. So you’re investing your pre-tax income. However, because you will be contributing to a Roth IRA with post-tax income, your contribution will be taxed before enrolment. You will be charged when you withdraw.

If you roll over to a Roth IRA, there’s a high possibility you’ll have to pay income tax as you’re still working. As an outcome, the tax bracket will be massive. So, before you go any further, take the time to understand your math. And we highly urge you to get the advice of a financial advisor before proceeding.

You have two alternatives for moving forward with the rollover agreements. You may either do a direct rollover to a Roth IRA or transfer your money to a Traditional IRA and then have that amount rolled over to a Roth IRA.

Rollover of 401(k) to Traditional IRA and Later to Roth IRA

Traditional IRA to Roth IRA

The 401(k) plan is tax-deferred, so you don’t have to pay any taxes upfront. As a result, your company or hiring organization will withdraw funds from your paycheck to fund your retirement. So, while paying federal taxes, you’ll be able to choose a deductible amount, striving for a low tax rate.

A Traditional IRA is comparable to a 401(k). However, anyone with legal and taxable income can start an account with pre-tax contributions. The distinction between Traditional IRA and Roth IRA is that individuals will report grants rather than an organization with many employees. A typical IRA is tax-deferred, and the 401k transfer rules are also pretty similar.

When you retire, you will be required to pay taxes. However, because your annual income is limited at that point, the amount of income taxes owed is equally low.

A Roth IRA is typically referred to as tax-free withdrawals or retirement savings. Unlike standard IRAs and 401(k)s, the Roth IRA must pay tax bills before the assets in its retirement account may be accessed. Because you will pay the income taxes beforehand, the gains on withdrawal will be tax-free. In fact, RMDs are not required in a Roth IRA as there is no unpredictable tax hit on the after-tax dollars.

So, if you form a Traditional IRA or Individual Retirement Account first, you won’t have to deal with any tax issues. You will only be allowed to roll over one account each year, and your contributions will be capped. It will also be free of cost, precisely as your card-to-digital account transfer.

Switching from Traditional IRA and Roth IRA will lead to some taxable penalties with a Roth IRA. People frequently choose these programs when they merely want a fraction of a particular number to be rolled over to avoid unnecessary taxation.

With a conventional IRA rollover to a Roth IRA, the taxes will be computed using your company’s contributions, your typical annual income, and dividends from 401(k) plans. However, you may efficiently execute a fraction-by-fraction rollover to keep the higher tax bracket.

Because tax implications are changing so rapidly, rolling over from a Traditional IRA to a Roth IRA will be more like a transaction of funds than a rollover with estimated tax payments. The procedure is permanent, and there is only one rollover each year. Choose wisely. Rolling over 401k to Roth ira is easy if you know every aspect related to it.

Direct 401(k) Rollover or 401(k) Transfer Rules

You will be able to transfer funds straight from your 401(k) plan to a Roth IRA here. When people change employment or if their previous employer does not provide a 401(k) plan, they regularly perform a rollover. “Can you roll a 401k into an IRA without penalty?” the answer to this question will be a direct rollover. You will be able to transfer funds straight from your 401(k) plan to a Roth IRA here.

Employers create 401(k)s, which may or may not be to your taste, so you may simply roll over your existing 401(k) fund to your IRA or, in this example, to a Roth IRA.

Here we are including some steps for you to roll over your existing 401(k) to a Roth IRA.

Choose a Brokerage Firm or an Administrator or IRA Provider: The first step in the direct IRA rollover will be to choose a brokerage firm. On the market, there are several well-known brokerage firms. The IRA company you select should be able to provide the following benefits: The rollover procedure should be free of charge.

As a result, that administrator firm should be able to offer the free rollover. Usability, necessary tools for keeping IRA and investment accounts, customer service, investment availability, and so on should be your primary concerns.

Query Regarding the Transfer: For an IRA rollover, first inquire about the firm’s rollover process and time frame. Also, include all of your current 401(k) account specifics. The administration of your new account will contact the organization that manages your 401(k) plan as part of the Direct Rollover procedure. They’ll go over all of the necessary steps without you attending.

Paperwork: The next step will be to complete the following paperwork so your IRA rollover process can succeed. With a direct IRA, you give complete freedom to the administrators to transfer your funds. You should choose benefactors and avoid too much trading in one account.

Investments: You must choose the best areas to deposit your recently rolled-over cash in order to receive the most substantial feedback or dividend. You may have to evaluate your risk tolerance at your age.

Indirect 401(k) Rollover

You must be directly involved in this type of rollover. So, instead of the administrators and brokerage businesses dealing with their concerns, you have to step in. This type of rollover carries a 60-day penalty. Most notably, the kind of rollover you select will be chosen by your custodian.

Here we are including some necessary steps that you can follow for your 401(k) rollover to your Roth IRA.

Select a Brokerage Firm: To begin, select an administrator company or financial institution for your 401(k) rollover. You may open a Roth IRA account with a business that offers many investment options and tools. Alternatively, you might use an internet broker for your IRA accounts. These platforms are sometimes referred to as “Robo advisers.” The platform will provide you with low-cost funds and will assist you in developing your investing portfolio.

These advisors’ costs are lower than those of traditional brokers. Low fees, however, come with formal obligations, and because there is no specific person at the backend, you may suffer a huge loss with no penalty or explanation.

The most significant advantage of using an online broker is that you have complete control over where your money is invested. And the investment plans require a small amount of money. But while choosing a broker, make sure that you can rely on them and that they have a good reputation in the market. They win it all for you.

Query Regarding the Transfer: Once you’ve settled on a broker, inquire about the rollover procedure. As previously said, you have to meddle. As a reason, the brokerage business will almost certainly ensure that you will receive the sum first, rather than the firm itself.

Complete Paperwork: Once you’ve selected a firm with a good reputation and are ready for a rollover, submit your paperwork to the firm and confirm the processing.

Deposit Your Check: You’ll get a check for the retirement money from your existing plan once you’ve submitted the proper paperwork with the IRA provider. And you have 60 days to submit that cheque. It is vital to remember that the rollover procedure might take anything from days to hours. So, to be cautious, inquire with the brokerage business about the time limit.

Add Balance: With an indirect rollover, your former administrator will keep 20% of your money to pay taxes on your distributions. You must submit a check for the entire sum for full distribution to revive that amount. You will be sentenced if you do not give all of the distributions. And, if you’re under 59.5, you’ll have to pay a 10% penalty on your taxes if you don’t submit your check within 60 days.

Investments: Make sure you invest all your funds in investment accounts to get the most dividends. You’ll not be facing any taxes on your Roth IRA gains.

Why Roll Your 401(k) Into a Roth IRA?

We assure you that we agree with your rationale if you’ve opted to rollover your current 401(k) plan to a Roth IRA. With Roth IRA funds, you must pay taxes now rather than at the withdrawal time. If you’re not sure why a 401(k) rollover is beneficial, it will depend on your present situation and future intentions.

If you will be taxed at a high rate when you retire, it is critical that you pay the taxes now rather than whenever you retire. You must pay taxes on withdrawals from a Roth IRA, which appears to be a pretty honest positive point. Here are some of the most compelling reasons to choose a 401(k) rollover.

Higher Pay and Taxes in the Future

With a Roth IRA, you pay taxes on your current income and invest the money in your retirement accounts. However, you will not be required to pay any taxes on your pay-outs. That’s a bonus in this case. In any case, you must pay the taxes.

However, if you believe you will earn more money in retirement, rolling over to a Roth IRA may be better. Because there is no tax on future distributions, you will get all of your dividends and profits at once. And if you wish to start a business or start-up after retirement, you will be able to do so without sustaining any losses.

No Retirement Minimum Distribution

When you are willing to withdraw your money or contribution, you can do so. However, when you reach the age of 70.5, you must withdraw funds from both a standard IRA and a 401(k). This is done so that the IRA investor may begin paying taxes.

There are no such restrictions with a Roth IRA. When you reach the age of 70, you must withdraw a portion of your RMDs. RMDs are needed in most 401(k) accounts but not in Roth IRA. However, if your Roth IRA was inherited, you may be obligated to pay the RMDs on time. Withholding RMDs on time might lead to serious consequences. If someone fails to meet the April 1st deadline, they will face a 50% penalty.

If someone fails the April 1st date for their first withdrawal, they will face a 50% penalty rate. The RMDs will be considered part of your annual income, and you will be required to pay taxes on them as usual. The main disadvantage of RMDs is that they add extra earnings to your account, which may result in a high tax rate.

Rollover 401(k) to Roth IRA Tax Consequences

If you intend to roll over your 401(k) to a Roth IRA, you must first pay the taxes to progress. Rolling over your 401(k) to standard and Roth IRA, on the other hand, enhances your chances of tax diversification. This is particularly typical among individuals who are potentially unpredictable for the future.

If you believe your future or retirement plans will change from your current situation, you should diversify your investment portfolio so that you have two options when it comes to taxes. You retain your entire investment with a Roth IRA and may get substantial dividends. You’ll also be able to gain certain tax benefits with a Traditional IRA or 401(k) plan.

More Income in the Future

If you want to make loads of finances in the future or have the option of earning more money, a Roth IRA is the way to go. With the 401(k), you must contribute the maximum amount of your salary to your plan, which may or may not function correctly.

If your annual income is less than $129,000, you are eligible to make the $6,000 yearly contribution to an IRA. However, if your income exceeds $144,000, you are ineligible, and if your income falls between the two figures, you will get a lesser amount based on your income.

If a couple fills out an IRA and their total annual income is $204,000, they are qualified for the $6,000 or $7,000 (over 50) Roth IRA investment. If the number falls between the two, the contribution amount will be lowered based on their yearly income. They are not permitted to contribute if they make more than $214,000 each year.

There is no assurance that you will be able to get the funds due to contribution limits. However, if you are unsure about your prospects, we advocate a rollover because there is no assurance in the case of a 401(k).

How to Pay Taxes on Your Contributions to an IRA?

Pay Taxes

The most significant element of a Roth IRA is that you will not have to pay taxes on your donation. As a result, there will be no income tax on the distribution limit at withdrawal. This is what drives people to open a Roth IRA rather than a traditional IRA or other retirement plans.

With a 401(k), you’ll have to pay taxes at withdrawal. And if you are over the age of 70, you must begin taking required minimum distributions to deliver the bare minimum to the government. Because these requirements are different, there is a middle ground when rolling over your 401(k) to Roth conversions.

The rollover amount will be added to your account as taxable income. This covers both your contributions and the profits from your investments years ago. The 401(k) amount will be considered taxable income in our scenario.

Your new income will be used to estimate your taxes. As a result, before you can start contributing to your new Roth IRA, you must first pay your taxes. However, the income tax for your new amount does not use a paycheck method. In such an instance, your existing administrator will withhold your current balance. You must reimburse the amount deducted from your bank account or income to avoid a penalty.

So, if you’re thinking about withdrawing or rolling over your 401(k) (k), you must estimate your taxes for that year. Ensure the new balance or the contribution to your 401(k) and its gains, so you have an overall idea of how much you have to add to get the fund rolling for your Roth IRA.

Example: If your distribution amount for that is $15,000. The administrators will hold onto 20% of your total rollover amount, and you’ll get a check for $12,000. And with the direct rollover of the 401(k), your new brokerage firm will get the check. Now you have to pay the $3,000 from your pocket to avoid any penalty and to make sure that your contribution stays the same for the Roth IRA.

If you mismanage or overestimate your yearly income tax, you will receive a refund. However, if your paycheck is inadequate to cover the expected tax payments, there is a solution to avoid the penalty. Then you must pay the taxes based on the estimated.

However, you will only be required to do so if you have already paid your taxes for the prior tax year and owe taxes on your current balance. To make a complete payment, divide the payments across four or five periods throughout the year. You have until the end of the fiscal year to pay the remainder of your taxes. Tax payments are usually made quarterly, and the dates are as follows:

  • April 15th
  • June 15th
  • On September 15th,
  • January 15th of next year.

With all of that stated, make sure that the increased income might genuinely put you into a higher tax rate. As a consequence, you may need to set aside significantly more money for taxes in the rollover year.

To avoid these situations, divide the rollover amount into many portions. Convert your rollover amount to prevent a hefty charge for the year. As an outcome of this transformation, you will be able to reduce your tax bracket.

Income Tax Reduction for a 401(k) Rollover

To avoid a hefty penalty or paying more in general taxes, you must take extra precautions. You must submit your rollover check on time and within 60 days. And you won’t have to pay the early withdrawal penalty.

This will consume 10% of your distributions. Another critical issue is that you understand all the benefits of both the Roth IRA and the 401(k), Traditional IRAs. Different investment sources behave differently throughout the rollover process. As a result, make sure that you understand and manage them.

Throughout your rollover, the most crucial thing to remember is to prevent a tax snafu at all costs. Here are some suggestions to help you avoid overpaying your taxes.

The Direct Rollover Process is the Better Option

If you want to roll over your current 401(k) to a Roth IRA, be sure the money goes to your custodian rather than you. To avoid such casualties, plan for a straight rollover procedure. The cheque will be written out in your name as part of the indirect rollover procedure.

And that check will be treated as a distribution as you withdraw money. Your existing administrator will retain 20% of your assets, and you will be required to pay that 20% to avoid the early withdrawal penalty. So, instead of having the paycheck sent to you, have it sent to your new custodian.

With an indirect rollover, you have to avoid an early withdrawal penalty. With that in mind, if your current rollover is 20,000 dollars, then you’ll get the check for 16,000 dollars. And, in order to avoid the appearance of a distribution, you must pay the 4,000 dollars. Only then will your total amount be non-taxable for your Roth IRA.

The 55 Year Rule

You can carry penalty-free withdrawals from your 401(k) if you are above 55. (k). If you are under the age of 59.5 but decide to retire when you reach the age of 55, your employer will be entitled to provide you with a penalty-free distribution, despite the fact that you may still be required to pay the tax bill on such income.

So, if you’re over 55 and want to take full advantage of your distributions, you may do so without penalty. However, if you want to convert your fund to a Roth IRA, you must pay the penalty for early withdrawal if you are not 59.5 at the time.

So, if you wish to advance, strive to comprehend your time management. So, in the interim, make sure you have enough time to take care of your business to avoid touching the funds in your IRA.

However, the age range of 55 to 59 is an excellent time to make investments and rollovers. The prices will be lower here, and if you’re already retired at the age of 55, your overall income taxes will be reduced as well.

Even if you have a gain from your 401(k) savings, you are still eligible to pay ordinary income tax when rolling. The early withdrawal of 401(k) at the age of 55 opens up an array of alternatives. You will be able to keep some of the money for yourself without penalty, and the remainder will be able to go to IRAs.

For the Spouses…

If you are the spouse of someone who is transferring their 401(k) to a Roth IRA, be sure you understand who the beneficiary is in this scenario. The spouses are the only benefactors of the whole money under the 401(k) plan. However, you can sign a waiver designating someone else as the successor to the funds.

You cannot include the amount of your withdrawal from your money in the divorce agreement and direct it to your ex-partner in the case of divorce. That money will be taxed since it is distributed to the IRA investor. The IRA, on the other hand, allows the individual to name anybody as a beneficiary, and spouses have no voice in the matter.

But if any ex-partner is to receive a penalty-free retirement fund, they have to qualify under the Domestic Relations Order. But they also have to pay income taxes on that money.

Treading the Company Stock

If a 401(k) owner has business stock and other assets, they may be able to earn a more significant tax return if they rollover to a Roth IRA.

The stock of the corporation has unrealized profits. Instead of rolling over the company’s stocks, you should transfer them to your brokerage account. You will be charged the original 401(k) sum rather than your earnings in this case.

As a result, you will be taxed on your initial payments. If you intend to sell the stocks, you must pay the tax bill on any growth in those stocks, and your capital gain will determine the tax rate.

Assume you spend $5,000 on your company’s stocks and profit $8,000 from them. However, in the case of a transfer, you will be charged the taxes on the $5,000.

Taxes will be levied based on your income. And the $8,000 increase will be taxed at long-term rates. And the remainder of the taxes will be calculated based on the period you possessed it.

Partial Contribution to a Roth IRA

piggy bank

Most consumers are concerned about high tax brackets and the potential losses from IRA rollovers. They want to take the middle road, where they can acquire the advantages of both criteria without dealing with too many issues.

And the best way to accomplish this is to file for a certain amount of Roth contribution, with the remainder sent to the standard IRA or new 401(k).

First, ask your custodian whether you may execute a separate rollover. Also, make certain that these rollovers are straight. Your direct rollover from your 401(k) plan to a regular IRA will be tax-free. But with the Roth conversion, you have to pay the taxes based on your annual income.

If your company does not allow direct rollover, you may have to intervene between the two custodians and pay the penalty for a 20% dividend withdrawal under the 60-day regulation. As a result, the direct rollover is the ideal alternative for these partial rollovers.

You’ll also have to pay the penalty for early 401(k) distributions if you do the indirect rollover from 401(k) to Roth before age 55. The indirect rollover approach is rather inconvenient; thus, we propose the direct way.

Another consideration is that your existing employer-sponsored plan may not allow two direct rollovers. Most businesses only accept one direct rollover. You should straight rollover your entire investment to a conventional IRA and then convert a portion of it to a Roth IRA. Taxes will be imposed on the Roth amount.

The Advantages of Rolling Over to a Roth IRA

Here are some of the reasons you should roll over your 401(k). Some possible motivations may be very personal, but many professional perks will allow you to benefit from such advancements.

Combining Accounts

Every year, more than one million 401(k) accounts remain unclaimed in the United States, according to reports. As a result, you probably have various 401(k) plans from your employers.

Keeping track of every 401(k) plan may be a significant no-no due to the effort involved. However, if you work part-time or are just starting in your profession and want to try out new ideas, combining all of your accounts may be necessary. And the easiest way to combine them is to transfer them over to an existing Roth IRA, which will not tax your pay-outs.

So, the simplest solution is to convert your existing plan to an IRA. Here the management will be cheaper, and you’ll be able to track your retirement plan and tax consequences more carefully.

Investment Choices

You will have few investment alternatives with an employer-sponsored account. Apart from the mutual funds selected by the company, there would not be much of choice in this instance. To retain their profit, some companies even offer stock investments.

If you believe that these solutions are just not available or reachable to you, rolling your 401(k) plan is the best option for you. Roth Individual Retirement Accounts can be used to invest in a variety of different things, including:

  • Mutual Funds: most of these funds are managed by professionals, and they offer more diversity and simplicity to your investments. These funds can be traded quickly and have tax-free earnings.
  • Income Oriented Stocks: this kind of share pays high dividends, and the amount shields you from high tax brackets. If you obey the withdrawal rules, you will be able to skip the taxes on your gains.
  • Growth Stocks: These stocks are from companies that have middle or low capital, and with growth, the rate of your stocks will rise too. But you can pay less tax with these when you cash them in on your retirement plan savings.
  • Bonds: the corporate bonds that you are going to invest with Roth IRA have high yields, and like the stocks, they will provide you with high dividends and low retirement plan taxes on the withdrawal.
  • Exchange-Traded Funds (ETFs): ETFs are as famous as mutual funds and offer lower investment rates with good yields. Most importantly, they are much more flexible than your usual investments.
  • Real Estate: A direct or indirect Roth IRA can be used to invest in real estate. Direct real estate investing is challenging, but you may invest indirectly via Real Estate Investment Trusts or REITs. These are high-income properties, and they invest in a variety of buildings such as apartments, cell towers, hotels, medical facilities, offices, malls, and warehouses. However, as time passes, the investments get more ornate.

The 5-Year Rule

The most significant benefit of a Roth IRA is that you may invest using after-tax dollars and obtain distributions and profits without penalty at any time. Remembering the main requirement is that you must retain the Roth IRA for at least five years.

This is the purpose of the five-year rule. After five years, you can withdraw the account’s interest and earnings. The same rule applies even if you have rolled the money.

When an investor opens a Roth IRA, the five-year rule applies. The accrual term of the IRA will be calculated from the time the account is established. As a consequence, because you have already had the Roth IRA for a length of time, whenever you roll over your assets to the Roth account, it will not be a fact.

To take advantage of such benefits, you must first create a Roth IRA account. When you’re ready, you may transfer your 401(k) or conventional IRA to your new account, and if your Roth account has met the 5-year maturity age, you’ll be able to withdraw the funds.

However, you may only withdraw profits, not money. But if you’re going to withdraw the funds before five years, you might have to face a 10% tax penalty.

Reasons to Avoid 401(k) Rollover

There are many possibilities with Roth IRAs, but most organizations choose the standard 401(k) because the money is mainly protected. They have little influence over anything other than the corporation itself.

Security Issues

Unlike 401(k), IRAs have security problems as there is no protection from a trusted company. With a Roth IRA, the custodians will look after your funds, which will lead to their benefits. But in the case of bankruptcy, they will not be of any help.

Higher Costs

With the Roth IRA, there will be additional fees for maintaining your account. In comparison, the 401(k) has no extra cost. Here, the employers maintain the accounts, and experts are usually hired to help with the process. So, while you are going for a rollover, make sure you understand that there will be an annual custodian fee.

The 55-Year Rule

The most crucial aspect of a Traditional 401(k) is that an individual may begin receiving distributions as soon as they reach the age of 55 or retire. As a result, the 59.5 restrictions will not bother them, and they will be able to enjoy the penalty-free vacation.

Avoid Cashing Out

If you are contemplating cashing out your 401(k) rather than rolling it over, you should consider all disadvantages. Here are some explanations why you should not cash out:

  1. 10% penalty if you’re under 59½.
  2. You will owe taxes on all your gains.
  3. Savings will not be tax-deferred.
  4. This will impact your retirement savings.


Depending on your approach, rolling over your 401(k) to a Roth IRA may or may not be an eligible strategy. There will be a lot of strings attached, rules to follow, and affirmations to make. So, before deciding on the best option, make sure you comprehend the facts or get help from an expert.

Arthur Karter


Hi, I’m Arthur, and nobody wants to wake up in their 50s like me that they are in serious debt with minimal assets. This wake-up call forced me to reevaluate everything. After going through the school of Hard Knocks, I’m ready to help you by sharing the best retirement choices and how they differ from all the same-old, same-old options that financial advisors sell. These alternatives will help you build and protect your wealth.

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