---
title: A Roth IRA's Many Benefits
description: "The key of Roth IRA summed up: Paying taxes on your retirement contributions today may be better than paying taxes on your retirement savings tomorrow."
image: https://blog.creekmurwealth.com/hubfs/traditiona-roth-ira.jpg
---
- [Reserve A Consultation](https://creekmurwealth.com/contact-us/)
- Client Access
- [Client Access](https://creekmurwealth.com/client-access/)
- [Legacy Club](https://creekmurwealth.com/ambassador-program/)
- [Request An Update With Your Advisor](https://creekmurwealth.com/current-clients/)
[](https://creekmurwealth.com)
- [Team](https://creekmurwealth.com/creekmur-wealth-team/)
- [Locations](https://creekmurwealth.com/locations/)
- [Wealth Solutions](https://creekmurwealth.com/wealth-solutions/)
- Resources
- [In the Media](https://creekmurwealth.com/in-the-media/)
- [Planning Tools](https://creekmurwealth.com/planning-tools/)
- [Webinars](https://creekmurwealth.com/webinar/)
- [Blog](https://blog.creekmurwealth.com/blog)
- [Events](https://creekmurwealth.com/events/)
- [Contact Us](https://creekmurwealth.com/contact-us/)
- [Join Our Team](https://content.creekmurwealth.com/join-our-team-0)
- [Team](https://creekmurwealth.com/creekmur-wealth-team/)
- [Locations](https://creekmurwealth.com/true-wealth-process/)
- [Wealth Solutions](https://creekmurwealth.com/wealth-solutions/)
- Resources
- [In the Media](https://creekmurwealth.com/in-the-media/)
- [Planning Tools](https://creekmurwealth.com/planning-tools/)
- [Webinars](https://creekmurwealth.com/webinar/)
- [Blog](https://blog.creekmurwealth.com/blog)
- [Events](https://creekmurwealth.com/events/)
- [Contact Us](https://creekmurwealth.com/contact-us/)
- [Client Access](https://creekmurwealth.com/true-wealth-process/#)
- [Client Access](https://creekmurwealth.com/client-access/)
- [Legacy Club](https://creekmurwealth.com/ambassador-program/)
- [Request An Update With Your Advisor](https://creekmurwealth.com/current-clients/)
## Educate, Encourage, Empower
# A Roth IRA's Many Benefits
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 1:28 PM on June 25, 2020
## **
## Why do so many people choose them over traditional IRAs?
**The IRA that changed the whole retirement savings perspective.** Since the Roth IRA was introduced in 1998, its popularity has soared. It has become a fixture in many retirement planning strategies because it offers savers so many potential advantages.
The key argument for going Roth can be summed up in a sentence: **Paying taxes on your retirement contributions today may be better than paying taxes on your retirement savings tomorrow.**
Think about it. Would you rather pay taxes today or wait 10 years and see where the tax rates end up? With that in question in mind, here are some of the potential benefits associated with opening and contributing to a Roth IRA.
**What you see is what you get.** Roth IRA contributions are made with after-tax dollars, and any potential earnings on investments within a Roth IRA are not subject to income tax or included in the account owner's income. Instead, they accumulate on a tax-deferred basis and are tax-free when withdrawn from the Roth if the distribution is qualified.1
**You can arrange tax-free retirement income.** Roth IRA earnings can be withdrawn tax-free as long as you are 59½ or older and have owned the account for at least 5 years. The IRS calls such tax-free withdrawals qualified distributions.2
**Withdrawals don’t affect taxation of Social Security benefits.** If your provisional income is between $25,000 and $34,000 — or $32,000 and $44,000 for joint filers — then your Social Security benefits may be taxed if you take withdrawals before your full retirement age. Luckily, a qualified distribution from a Roth IRA doesn’t count as taxable income, which may be a means of avoiding taxation on your social security benefit.3,4
You have until your tax-filing deadline to make a Roth IRA contribution for a given tax year. For example, IRA contributions for the 2019 tax year may be made up until April 15, 2020. While April 15 is the annual deadline, many IRA owners who make lump sum contributions for a given tax year make them as soon as that year begins, not in the following year. Making your Roth IRA contributions earlier gives the funds in the account more time to potentially grow. Remember, though that Roth IRA contributions cannot be made by taxpayers with high incomes. In 2019, the income phaseout limit was $137,000 for single filers and $203,000 for married couples who file jointly.5
**Who can open a Roth IRA?** Anyone with earned income (and that includes a minor).
**How much can you contribute to a Roth IRA annually?** The combined annual contribution limit to all of your traditional and Roth IRAs is $6,000 for 2019 and 2020 ($7,000 if you're age 50 or older), but income limits may reduce or eliminate your ability to contribute. To sweekten the deal even further, you can keep making annual Roth IRA contributions all your life.6
**All this may have you thinking about opening up a Roth IRA.** A chat with the financial professional you know and trust may help you evaluate whether a Roth IRA is right for you, given your particular tax situation and retirement horizon.
**Let’s chat.** When it comes to picking an IRA, both traditional and Roth IRAs may play an important role in your retirement strategy. If you have any questions, let’s chat soon about how these products may be a good fit for your goals.
\*Due to the COVID-19, you have until July 15, 2020 to take advantage of funding to these IRAs.
**Creekmur Wealth Advisors may be reached at 866-358-4441 or [Info@Creekmurwealth.com](mailto:info@creekmurwealth.com). **
**[](https://cta-redirect.hubspot.com/cta/redirect/4906824/b714a733-2245-470a-bad0-527b2f196e6b)**The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change.
This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.
**Citations.**
1 - irs.gov/retirement-plans/traditional-and-roth-iras \[1/28/20\]
2 - irs.gov/retirement-plans/traditional-and-roth-iras \[1/28/20\]
3 - kiplinger.com/slideshow/retirement/T055-S001-how-retirement-income-is-taxed/index.html \[1/27/20\]
4 - irs.gov/retirement-plans/traditional-and-roth-iras \[1/28/20\]
5 - morningstar.com/articles/852560/20-ira-mistakes-to-avoid \[2/10/20\]
6 - irs.gov/retirement-plans/traditional-and-roth-iras \[1/28/20
Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [IRA](https://blog.creekmurwealth.com/blog/tag/ira), [Roth IRA](https://blog.creekmurwealth.com/blog/tag/roth-ira)
Search Our Site
### Subscribe Here!
### Recent Posts
### Posts by Tag
- [Financial Planning (109)](https://blog.creekmurwealth.com/blog/tag/financial-planning)
- [Retirement (72)](https://blog.creekmurwealth.com/blog/tag/retirement)
- [Investing (54)](https://blog.creekmurwealth.com/blog/tag/investing)
- [Uncategorized (44)](https://blog.creekmurwealth.com/blog/tag/uncategorized)
- [Planning (27)](https://blog.creekmurwealth.com/blog/tag/planning)
- [Investments (24)](https://blog.creekmurwealth.com/blog/tag/investments)
- [Stock Market (24)](https://blog.creekmurwealth.com/blog/tag/stock-market)
- [market volatility (18)](https://blog.creekmurwealth.com/blog/tag/market-volatility)
- [market risks (17)](https://blog.creekmurwealth.com/blog/tag/market-risks)
- [saving and investing (17)](https://blog.creekmurwealth.com/blog/tag/saving-and-investing)
- [Investments and risk (16)](https://blog.creekmurwealth.com/blog/tag/investments-and-risk)
- [Build True Wealth (15)](https://blog.creekmurwealth.com/blog/tag/build-true-wealth)
- [Certified Financial Planner, CFP (14)](https://blog.creekmurwealth.com/blog/tag/certified-financial-planner-cfp)
- [Goals (13)](https://blog.creekmurwealth.com/blog/tag/goals)
- [From John's Desk (11)](https://blog.creekmurwealth.com/blog/tag/from-johns-desk)
- [Investment Portfolio (11)](https://blog.creekmurwealth.com/blog/tag/investment-portfolio)
- [Roth IRA (11)](https://blog.creekmurwealth.com/blog/tag/roth-ira)
- [Life Insurance (10)](https://blog.creekmurwealth.com/blog/tag/life-insurance)
- [Saving (10)](https://blog.creekmurwealth.com/blog/tag/saving)
- [Wealth Management (10)](https://blog.creekmurwealth.com/blog/tag/wealth-management)
- [taxes (10)](https://blog.creekmurwealth.com/blog/tag/taxes)
- [long term objectives (9)](https://blog.creekmurwealth.com/blog/tag/long-term-objectives)
- [IRA (8)](https://blog.creekmurwealth.com/blog/tag/ira)
- [Annuities (7)](https://blog.creekmurwealth.com/blog/tag/annuities)
- [Insurance (7)](https://blog.creekmurwealth.com/blog/tag/insurance)
- [Social Security (7)](https://blog.creekmurwealth.com/blog/tag/social-security)
- [Build Wealth (6)](https://blog.creekmurwealth.com/blog/tag/build-wealth)
- [Retirement Income (6)](https://blog.creekmurwealth.com/blog/tag/retirement-income)
- [Market turbulence (5)](https://blog.creekmurwealth.com/blog/tag/market-turbulence)
- [RetirementRSS (5)](https://blog.creekmurwealth.com/blog/tag/retirementrss)
- [Social Security income (5)](https://blog.creekmurwealth.com/blog/tag/social-security-income)
- [Tax Benefits (5)](https://blog.creekmurwealth.com/blog/tag/tax-benefits)
- [Taxes in Retirment (5)](https://blog.creekmurwealth.com/blog/tag/taxes-in-retirment)
- [Tolerating Risk with Investments (5)](https://blog.creekmurwealth.com/blog/tag/tolerating-risk-with-investments)
- [Why is my portfolio not performing? (5)](https://blog.creekmurwealth.com/blog/tag/why-is-my-portfolio-not-performing)
- [403(b) (4)](https://blog.creekmurwealth.com/blog/tag/403b)
- [Claiming Social Security (4)](https://blog.creekmurwealth.com/blog/tag/claiming-social-security)
- [Disability Insurance (4)](https://blog.creekmurwealth.com/blog/tag/disability-insurance)
- [Insurance policies (4)](https://blog.creekmurwealth.com/blog/tag/insurance-policies)
- [Money Matters (4)](https://blog.creekmurwealth.com/blog/tag/money-matters)
- [Roth IRAs (4)](https://blog.creekmurwealth.com/blog/tag/roth-iras)
- [S&P 500 (4)](https://blog.creekmurwealth.com/blog/tag/sp-500)
- [Tax Planning (4)](https://blog.creekmurwealth.com/blog/tag/tax-planning)
- [Wealth Advisor (4)](https://blog.creekmurwealth.com/blog/tag/wealth-advisor)
- [inflation (4)](https://blog.creekmurwealth.com/blog/tag/inflation)
- [small business owner (4)](https://blog.creekmurwealth.com/blog/tag/small-business-owner)
- [tolerating risk (4)](https://blog.creekmurwealth.com/blog/tag/tolerating-risk)
- [401k (3)](https://blog.creekmurwealth.com/blog/tag/401k)
- [Aging (3)](https://blog.creekmurwealth.com/blog/tag/aging)
- [College Planning (3)](https://blog.creekmurwealth.com/blog/tag/college-planning)
- [Details about Medicare (3)](https://blog.creekmurwealth.com/blog/tag/details-about-medicare)
- [Estate Planning (3)](https://blog.creekmurwealth.com/blog/tag/estate-planning)
- [Insurance Risk (3)](https://blog.creekmurwealth.com/blog/tag/insurance-risk)
- [RMD (3)](https://blog.creekmurwealth.com/blog/tag/rmd)
- [RMDs (3)](https://blog.creekmurwealth.com/blog/tag/rmds)
- [Required Minimum Distributions (3)](https://blog.creekmurwealth.com/blog/tag/required-minimum-distributions)
- [Roth Conversions (3)](https://blog.creekmurwealth.com/blog/tag/roth-conversions)
- [Save and invest (3)](https://blog.creekmurwealth.com/blog/tag/save-and-invest)
- [Stay focused on objectives (3)](https://blog.creekmurwealth.com/blog/tag/stay-focused-on-objectives)
- [Taxes and retirees (3)](https://blog.creekmurwealth.com/blog/tag/taxes-and-retirees)
- [Working Women (3)](https://blog.creekmurwealth.com/blog/tag/working-women)
- [emotions in investing (3)](https://blog.creekmurwealth.com/blog/tag/emotions-in-investing)
- [financial legacy (3)](https://blog.creekmurwealth.com/blog/tag/financial-legacy)
- [small business (3)](https://blog.creekmurwealth.com/blog/tag/small-business)
- [Budgeting (2)](https://blog.creekmurwealth.com/blog/tag/budgeting)
- [FAFSA (2)](https://blog.creekmurwealth.com/blog/tag/fafsa)
- [Financial Freedom (2)](https://blog.creekmurwealth.com/blog/tag/financial-freedom)
- [Invest (2)](https://blog.creekmurwealth.com/blog/tag/invest)
- [Investment Advisor (2)](https://blog.creekmurwealth.com/blog/tag/investment-advisor)
- [Leaving a Legacy (2)](https://blog.creekmurwealth.com/blog/tag/leaving-a-legacy)
- [Medicare Enrollment (2)](https://blog.creekmurwealth.com/blog/tag/medicare-enrollment)
- [Medicare Parts A & B (2)](https://blog.creekmurwealth.com/blog/tag/medicare-parts-a-b)
- [Money (2)](https://blog.creekmurwealth.com/blog/tag/money)
- [Newlyweds (2)](https://blog.creekmurwealth.com/blog/tag/newlyweds)
- [Power of Attorney (2)](https://blog.creekmurwealth.com/blog/tag/power-of-attorney)
- [Stagflation (2)](https://blog.creekmurwealth.com/blog/tag/stagflation)
- [Staying out of debt (2)](https://blog.creekmurwealth.com/blog/tag/staying-out-of-debt)
- [Surviving Spouse (2)](https://blog.creekmurwealth.com/blog/tag/surviving-spouse)
- [Tax Forms (2)](https://blog.creekmurwealth.com/blog/tag/tax-forms)
- [Tax on Social Security Income (2)](https://blog.creekmurwealth.com/blog/tag/tax-on-social-security-income)
- [Tax withholding (2)](https://blog.creekmurwealth.com/blog/tag/tax-withholding)
- [Widow (2)](https://blog.creekmurwealth.com/blog/tag/widow)
- [charitable IRA gift (2)](https://blog.creekmurwealth.com/blog/tag/charitable-ira-gift)
- [economy (2)](https://blog.creekmurwealth.com/blog/tag/economy)
- [long-term care (2)](https://blog.creekmurwealth.com/blog/tag/long-term-care)
- [tax deferred growth (2)](https://blog.creekmurwealth.com/blog/tag/tax-deferred-growth)
- [401ks (1)](https://blog.creekmurwealth.com/blog/tag/401ks)
- [529 Plan (1)](https://blog.creekmurwealth.com/blog/tag/529-plan)
- [Baby boomers should think about these (1)](https://blog.creekmurwealth.com/blog/tag/baby-boomers-should-think-about-these)
- [Credit Card use (1)](https://blog.creekmurwealth.com/blog/tag/credit-card-use)
- [Credit for Elderly or Disabled (1)](https://blog.creekmurwealth.com/blog/tag/credit-for-elderly-or-disabled)
- [Digital Assets (1)](https://blog.creekmurwealth.com/blog/tag/digital-assets)
- [Digital Profile (1)](https://blog.creekmurwealth.com/blog/tag/digital-profile)
- [Diversify Portfolio (1)](https://blog.creekmurwealth.com/blog/tag/diversify-portfolio)
- [Effects Credit History (1)](https://blog.creekmurwealth.com/blog/tag/effects-credit-history)
- [Elder Abuse (1)](https://blog.creekmurwealth.com/blog/tag/elder-abuse)
- [Elder Financial Abuse (1)](https://blog.creekmurwealth.com/blog/tag/elder-financial-abuse)
- [Eldercare needs (1)](https://blog.creekmurwealth.com/blog/tag/eldercare-needs)
- [Estate Plan (1)](https://blog.creekmurwealth.com/blog/tag/estate-plan)
- [FAFSA app (1)](https://blog.creekmurwealth.com/blog/tag/fafsa-app)
- [FAFSA apply by phone (1)](https://blog.creekmurwealth.com/blog/tag/fafsa-apply-by-phone)
- [Family Legacy (1)](https://blog.creekmurwealth.com/blog/tag/family-legacy)
- [Filling out FAFSA (1)](https://blog.creekmurwealth.com/blog/tag/filling-out-fafsa)
- [Financial Elder abuse (1)](https://blog.creekmurwealth.com/blog/tag/financial-elder-abuse)
- [Financial Scams (1)](https://blog.creekmurwealth.com/blog/tag/financial-scams)
- [Financially Skeptical (1)](https://blog.creekmurwealth.com/blog/tag/financially-skeptical)
- [Form 1099 (1)](https://blog.creekmurwealth.com/blog/tag/form-1099)
- [Fraudsters preying on Boomers and Elders (1)](https://blog.creekmurwealth.com/blog/tag/fraudsters-preying-on-boomers-and-elders)
- [Good Credit (1)](https://blog.creekmurwealth.com/blog/tag/good-credit)
- [Grandkids (1)](https://blog.creekmurwealth.com/blog/tag/grandkids)
- [Grandparents day (1)](https://blog.creekmurwealth.com/blog/tag/grandparents-day)
- [Homeowners (1)](https://blog.creekmurwealth.com/blog/tag/homeowners)
- [Inheritance (1)](https://blog.creekmurwealth.com/blog/tag/inheritance)
- [Legacy Assets (1)](https://blog.creekmurwealth.com/blog/tag/legacy-assets)
- [Legacy Planning (1)](https://blog.creekmurwealth.com/blog/tag/legacy-planning)
- [Lessons Learned (1)](https://blog.creekmurwealth.com/blog/tag/lessons-learned)
- [Marriage (1)](https://blog.creekmurwealth.com/blog/tag/marriage)
- [Medigap insurance (1)](https://blog.creekmurwealth.com/blog/tag/medigap-insurance)
- [Medigap policy (1)](https://blog.creekmurwealth.com/blog/tag/medigap-policy)
- [Memory Disorders (1)](https://blog.creekmurwealth.com/blog/tag/memory-disorders)
- [Millennials time to save (1)](https://blog.creekmurwealth.com/blog/tag/millennials-time-to-save)
- [Misconceptions about Medicare coverage (1)](https://blog.creekmurwealth.com/blog/tag/misconceptions-about-medicare-coverage)
- [News (1)](https://blog.creekmurwealth.com/blog/tag/news)
- [Privacy Protection (1)](https://blog.creekmurwealth.com/blog/tag/privacy-protection)
- [Roth 401k vs 401k (1)](https://blog.creekmurwealth.com/blog/tag/roth-401k-vs-401k)
- [Save (1)](https://blog.creekmurwealth.com/blog/tag/save)
- [Simple Retirement (1)](https://blog.creekmurwealth.com/blog/tag/simple-retirement)
- [Snowball effect (1)](https://blog.creekmurwealth.com/blog/tag/snowball-effect)
- [Stocks (1)](https://blog.creekmurwealth.com/blog/tag/stocks)
- [Successive Investment (1)](https://blog.creekmurwealth.com/blog/tag/successive-investment)
- [Tariffs (1)](https://blog.creekmurwealth.com/blog/tag/tariffs)
- [Tax defferred growth (1)](https://blog.creekmurwealth.com/blog/tag/tax-defferred-growth)
- [Teachers savings plan (1)](https://blog.creekmurwealth.com/blog/tag/teachers-savings-plan)
- [Team Approach (1)](https://blog.creekmurwealth.com/blog/tag/team-approach)
- [Trusted Contact (1)](https://blog.creekmurwealth.com/blog/tag/trusted-contact)
- [UFADDA (1)](https://blog.creekmurwealth.com/blog/tag/ufadda)
- [UTMA account (1)](https://blog.creekmurwealth.com/blog/tag/utma-account)
- [Uniting Personal Finances (1)](https://blog.creekmurwealth.com/blog/tag/uniting-personal-finances)
- [Wall Street Shocks (1)](https://blog.creekmurwealth.com/blog/tag/wall-street-shocks)
- [Women Investors (1)](https://blog.creekmurwealth.com/blog/tag/women-investors)
- [asset map (1)](https://blog.creekmurwealth.com/blog/tag/asset-map)
- [bull market (1)](https://blog.creekmurwealth.com/blog/tag/bull-market)
- [charitable donations (1)](https://blog.creekmurwealth.com/blog/tag/charitable-donations)
- [compounded interest (1)](https://blog.creekmurwealth.com/blog/tag/compounded-interest)
- [consumer debt (1)](https://blog.creekmurwealth.com/blog/tag/consumer-debt)
- [creating trust fund (1)](https://blog.creekmurwealth.com/blog/tag/creating-trust-fund)
- [cryptocurrency (1)](https://blog.creekmurwealth.com/blog/tag/cryptocurrency)
- [dollar cost averaging (1)](https://blog.creekmurwealth.com/blog/tag/dollar-cost-averaging)
- [emergency fund (1)](https://blog.creekmurwealth.com/blog/tag/emergency-fund)
- [get my credit score reviewed (1)](https://blog.creekmurwealth.com/blog/tag/get-my-credit-score-reviewed)
- [getting out of debt (1)](https://blog.creekmurwealth.com/blog/tag/getting-out-of-debt)
- [getting started (1)](https://blog.creekmurwealth.com/blog/tag/getting-started)
- [gold (1)](https://blog.creekmurwealth.com/blog/tag/gold)
- [grandchild education (1)](https://blog.creekmurwealth.com/blog/tag/grandchild-education)
- [identity theft (1)](https://blog.creekmurwealth.com/blog/tag/identity-theft)
- [impact of presidential elections (1)](https://blog.creekmurwealth.com/blog/tag/impact-of-presidential-elections)
- [paying off debt (1)](https://blog.creekmurwealth.com/blog/tag/paying-off-debt)
- [power of compounding (1)](https://blog.creekmurwealth.com/blog/tag/power-of-compounding)
- [risk of Alzheimers (1)](https://blog.creekmurwealth.com/blog/tag/risk-of-alzheimers)
- [rollover (1)](https://blog.creekmurwealth.com/blog/tag/rollover)
- [save early (1)](https://blog.creekmurwealth.com/blog/tag/save-early)
- [self-employed (1)](https://blog.creekmurwealth.com/blog/tag/self-employed)
- [volatility (1)](https://blog.creekmurwealth.com/blog/tag/volatility)
- [watch for Elder scams (1)](https://blog.creekmurwealth.com/blog/tag/watch-for-elder-scams)
See all
#### Quick Links
- [Client Access](https://creekmurwealth.com/client-access/)
- [Reserve a Consultation](https://creekmurwealth.com/contact-us/)
- [Events](https://creekmurwealth.com/events/)
- [In the Media](https://creekmurwealth.com/in-the-media/)
- [Planning Tools](https://creekmurwealth.com/planning-tools/)
- [Webinars](https://creekmurwealth.com/webinar/)
- [Blog](https://blog.creekmurwealth.com/blog)
#### [Advisor Team](https://creekmurwealth.com/creekmur-wealth-team/)
- [John Creekmur, CFP®](https://creekmurwealth.com/advisor/john-creekmur-cfp/)
- [Drew Creekmur, MSPFP](https://creekmurwealth.com/advisor/drew-creekmur-mspfp/)
- [Andy Anderson, CFP®](https://creekmurwealth.com/advisor/andy-anderson-cfp/)
- [Connor Creekmur, MBA](https://creekmurwealth.com/advisor/connor-creekmur/)
- [Andrew Pisel](https://creekmurwealth.com/advisor/andrew-pisel/)
- [Nicole Geraci, CFP®, AWMA®](https://creekmurwealth.com/advisor/nicole-geraci/)
- [Clark D. Randall, CFP®](https://creekmurwealth.com/advisor/clark-d-randall-cfp/)
- [Neal Woollard](https://creekmurwealth.com/advisor/neal-woollard/)
- [James Ferguson](https://creekmurwealth.com/advisor/james-ferguson/)
- [Nathan Mumme](https://creekmurwealth.com/advisor/nathan-mumme/)
- [Ryan Hauter](https://creekmurwealth.com/advisor/ryan-hauter/)
- [Emily Elfallah, CEPA](https://creekmurwealth.com/advisor/emily-elfallah-cepa/)
- [Maddi White, CEPA](https://creekmurwealth.com/advisor/maddi-white-cepa/)
- [Brian Bowen, CEPA](https://creekmurwealth.com/advisor/brian-bowen-cepa/)
#### [Locations](https://creekmurwealth.com/locations/)
- [Morton, IL](https://creekmurwealth.com/location/morton-il/)
- [Bourbonnais, IL](https://creekmurwealth.com/location/bourbonnais-il/)
- [Bloomington, IL](https://creekmurwealth.com/location/bloomington-il/)
- [Avon, CO](https://creekmurwealth.com/location/avon-co/)
- [Dallas, TX](https://creekmurwealth.com/location/dallas-texas/)
- [Maumee, OH](https://creekmurwealth.com/location/maumee-oh/)
- [Littleton, CO](https://creekmurwealth.com/location/littleton-co/)
- [Roanoke, VA](https://creekmurwealth.com/location/roanoke-va/)
- [facebook](https://www.facebook.com/CreekmurWealth)
- [linkedin](https://www.linkedin.com/company/creekmur-wealth-advisors/)
- [youtube](https://www.youtube.com/channel/UCo1yCnWNzE9d0QKXHferjog/)
- [instagram](https://www.instagram.com/creekmurwealth/)
© 2026 Creekmur Wealth Advisors. All Rights Reserved. | [Client Relationship Summary](https://creekmurwealth.com/wp-content/uploads/2025/03/Client-Relationship-Summary-Form-CRS-March-2025.pdf) | [Creekmur Asset Management Form ADV & Wrap Fee Program Brochure](https://creekmurwealth.com/wp-content/uploads/2025/03/Creekmur-Asset-Management-LLC-Form-ADV-Wrap-Fee-Brocuhure-February-2025.pdf) | [Consumer Privacy Policy](https://creekmurwealth.com/wp-content/uploads/2020/08/Creekmur-Consumer-Privacy-Policy-072020-02.pdf) | [Web Privacy Policy](https://creekmurwealth.com/privacy-policy/) | [Terms of Use](https://creekmurwealth.com/terms-of-use/) | [Disclaimer](https://creekmurwealth.com/disclaimer/) | [Podcast Disclosure](https://creekmurwealth.com/podcast-disclosure/)
```json
{
"@context" : "https://schema.org",
"@type" : "BlogPosting",
"author" : {
"@type" : "Person",
"name" : "Creekmur Wealth Advisors",
"url" : "https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors"
},
"dateModified" : "2020-06-25T18:28:09.399Z",
"datePublished" : "2020-06-25T18:28:09.000Z",
"headline" : "A Roth IRA's Many Benefits",
"image" : [ "https://blog.creekmurwealth.com/hubfs/traditiona-roth-ira.jpg" ],
"mainEntityOfPage" : {
"@id" : "https://blog.creekmurwealth.com/blog/arothirasmanybenefits",
"@type" : "WebPage"
},
"publisher" : {
"@type" : "Organization",
"logo" : {
"@type" : "ImageObject",
"url" : "https://blog.creekmurwealth.com/hubfs/Creekmur_Logo_Horizontal_Color-2.png"
},
"name" : "Creekmur Wealth Advisors"
}
}
```