--- title: Creekmur Wealth Advisors | IRA description: IRA | We help create true wealth and retirement income strategies for people in or nearing retirement so their retirement income lasts as long as they do. --- - [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/) [![Creekmur Wealth Advisors](https://blog.creekmurwealth.com/hs-fs/hubfs/Creekmur%20Wealth%20Advisors%20Logo.png?width=460&height=104&name=Creekmur%20Wealth%20Advisors%20Logo.png "Creekmur Wealth Advisors")](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 ## [Tax Planning for Beginners](https://blog.creekmurwealth.com/blog/tax-planning-for-beginners) Posted by [Connor Creekmur, MBA](https://blog.creekmurwealth.com/blog/author/connor-creekmur) on 1:14 PM on April 5, 2022 [![](https://blog.creekmurwealth.com/hubfs/canstockphoto4624579.jpg)](https://blog.creekmurwealth.com/blog/tax-planning-for-beginners) #### *“Nothing is certain but death and taxes” -Benjamin Franklin.* The more time I spend in the financial services industry, the more I see this quote proving to be very true.  There are not many certainties in life, but the things we do know for certain, we like to plan for and taxes are one of those certainties. You may have already filed your taxes, but planning for taxes is different matter.  Since it's tax season, there is no better time to review your financial plan to ensure your financial life is operating as efficiently as possible! [Read More](https://blog.creekmurwealth.com/blog/tax-planning-for-beginners) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/tax-planning-for-beginners#comments-listing) Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [IRA](https://blog.creekmurwealth.com/blog/tag/ira), [Roth IRA](https://blog.creekmurwealth.com/blog/tag/roth-ira), [tax deferred growth](https://blog.creekmurwealth.com/blog/tag/tax-deferred-growth), [Tax Planning](https://blog.creekmurwealth.com/blog/tag/tax-planning) ## [Tax 101: Is it Too Late to Contribute to my IRA or Roth IRA?](https://blog.creekmurwealth.com/blog/too-late-to-contribute) Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 9:00 AM on February 25, 2021 [![](https://blog.creekmurwealth.com/hubfs/TAX%20INFO%20PICTURE.png)](https://blog.creekmurwealth.com/blog/too-late-to-contribute)   [Read More](https://blog.creekmurwealth.com/blog/too-late-to-contribute) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/too-late-to-contribute#comments-listing) Topics: [IRA](https://blog.creekmurwealth.com/blog/tag/ira), [Roth IRA](https://blog.creekmurwealth.com/blog/tag/roth-ira), [taxes](https://blog.creekmurwealth.com/blog/tag/taxes) ## [Tax 101: IRA & Roth IRA Basics](https://blog.creekmurwealth.com/blog/tax-101-ira-roth-ira-basics) Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 9:00 AM on February 11, 2021 [![](https://blog.creekmurwealth.com/hubfs/TAX%20INFO%20PICTURE.png)](https://blog.creekmurwealth.com/blog/tax-101-ira-roth-ira-basics) The topic of IRA's & Roth IRA's can certainly be confusing! But these investment tools are valuable in helping to set you up for the retirement that you envision.  [Read More](https://blog.creekmurwealth.com/blog/tax-101-ira-roth-ira-basics) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/tax-101-ira-roth-ira-basics#comments-listing) Topics: [IRA](https://blog.creekmurwealth.com/blog/tag/ira), [Roth IRA](https://blog.creekmurwealth.com/blog/tag/roth-ira), [Roth IRAs](https://blog.creekmurwealth.com/blog/tag/roth-iras) ## [A Roth IRA's Many Benefits](https://blog.creekmurwealth.com/blog/arothirasmanybenefits) Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 1:28 PM on June 25, 2020 [![](https://blog.creekmurwealth.com/hubfs/traditiona-roth-ira.jpg)](https://blog.creekmurwealth.com/blog/arothirasmanybenefits) ## 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. [Read More](https://blog.creekmurwealth.com/blog/arothirasmanybenefits) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/arothirasmanybenefits#comments-listing) 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) ## [Traditional Vs. Roth IRA](https://blog.creekmurwealth.com/blog/traditional-vs.-roth-ira) Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 2:18 PM on April 23, 2020 [![](https://blog.creekmurwealth.com/hubfs/traditiona-roth-ira.jpg)](https://blog.creekmurwealth.com/blog/traditional-vs.-roth-ira) ## Do you know the difference? Traditional Individual Retirement Accounts (IRA), which were created in 1974, are owned by roughly 33.2 million U.S. households. Roth IRAs, however, were created as part of the Taxpayer Relief Act in 1997, are owned by nearly 22.5 million households.1 Both are IRAs. And yet, each is quite different. [Read More](https://blog.creekmurwealth.com/blog/traditional-vs.-roth-ira) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/traditional-vs.-roth-ira#comments-listing) 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) ## [A Retirement Fact Sheet](https://blog.creekmurwealth.com/blog/aretirementfactsheet) Posted by [Creekmur Staff](https://blog.creekmurwealth.com/blog/author/creekmur-staff) on 11:45 AM on January 30, 2020 [![](https://blog.creekmurwealth.com/hubfs/Stock%20images/Couple%20in%20home%20kitchen%20cooking%20together%20and%20using%20tablet.jpeg)](https://blog.creekmurwealth.com/blog/aretirementfactsheet) ## Some specifics about the "second act." **Does your vision of retirement align with the facts?** Here are some noteworthy financial and lifestyle facts about life after 50 that might surprise you.  **Up to 85% of a retiree’s Social Security income can be taxed.** Some retirees are taken aback when they discover this. In addition to the Internal Revenue Service, 13 states currently levy taxes on some or all Social Security retirement benefits: Colorado, Connecticut, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, North Dakota, Rhode Island, Utah, Vermont, and West Virginia. (West Virginia, incidentally, is phasing out such taxation.)1 [Read More](https://blog.creekmurwealth.com/blog/aretirementfactsheet) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/aretirementfactsheet#comments-listing) Topics: [Wealth Management](https://blog.creekmurwealth.com/blog/tag/wealth-management), [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [IRA](https://blog.creekmurwealth.com/blog/tag/ira), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement), [Saving](https://blog.creekmurwealth.com/blog/tag/saving), [Social Security](https://blog.creekmurwealth.com/blog/tag/social-security), [Tax on Social Security Income](https://blog.creekmurwealth.com/blog/tag/tax-on-social-security-income), [Taxes in Retirment](https://blog.creekmurwealth.com/blog/tag/taxes-in-retirment) ## [Traditional vs. Roth IRAs](https://blog.creekmurwealth.com/blog/traditional-vs-roth-iras) Posted by [Creekmur Staff](https://blog.creekmurwealth.com/blog/author/creekmur-staff) on 8:15 AM on March 5, 2019 [![social-security-numbers](https://blog.creekmurwealth.com/hubfs/social-security-numbers.jpg)](https://blog.creekmurwealth.com/blog/traditional-vs-roth-iras) ## Perhaps both traditional and Roth IRAs can play a part in your retirement plans. IRAs can be an important tool in your retirement savings belt, and whichever you choose to open could have a significant impact on how those accounts might grow.   [Read More](https://blog.creekmurwealth.com/blog/traditional-vs-roth-iras) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/traditional-vs-roth-iras#comments-listing) Topics: [Investments](https://blog.creekmurwealth.com/blog/tag/investments), [IRA](https://blog.creekmurwealth.com/blog/tag/ira), [Roth IRA](https://blog.creekmurwealth.com/blog/tag/roth-ira), [Tax Benefits](https://blog.creekmurwealth.com/blog/tag/tax-benefits), [Taxes in Retirment](https://blog.creekmurwealth.com/blog/tag/taxes-in-retirment) ## [The Many Benefits of a Roth IRA](https://blog.creekmurwealth.com/blog/2018/02/24/the-many-benefits-of-a-roth-ira) Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 1:46 PM on February 24, 2018 ## Why do so many people choose it rather than a traditional IRA?   **The Roth IRA changed the whole retirement savings perspective.** Since its introduction, it has become a fixture in many [re](https://creekmurwealth.com/retirement/)[tirement planning](https://creekmurwealth.com/retirement/) strategies. Here is a closer look at the trade-off you make when you open and contribute to a Roth IRA – a trade-off many savers are happy to make. [Read More](https://blog.creekmurwealth.com/blog/2018/02/24/the-many-benefits-of-a-roth-ira) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/2018/02/24/the-many-benefits-of-a-roth-ira#comments-listing) Topics: [Uncategorized](https://blog.creekmurwealth.com/blog/tag/uncategorized), [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [IRA](https://blog.creekmurwealth.com/blog/tag/ira), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement), [Roth IRA](https://blog.creekmurwealth.com/blog/tag/roth-ira), [Tax Benefits](https://blog.creekmurwealth.com/blog/tag/tax-benefits), [Tax defferred growth](https://blog.creekmurwealth.com/blog/tag/tax-defferred-growth) [All posts](https://blog.creekmurwealth.com/blog/all) 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? 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