--- title: Creekmur Wealth Advisors | Roth IRA description: Roth 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) ## [What is a "Back-door" Roth IRA?](https://blog.creekmurwealth.com/blog/what-is-a-back-door-roth-ira) Posted by [Creekmur Staff](https://blog.creekmurwealth.com/blog/author/creekmur-staff) on 9:15 AM on January 28, 2021 [![](https://blog.creekmurwealth.com/hubfs/cs%20Roth%20IRA%20.jpg)](https://blog.creekmurwealth.com/blog/what-is-a-back-door-roth-ira) There are a number of reasons why a Roth IRA is a smart way to invest for retirement. **For most investors, tax benefits rank #1 in their reasoning for investing in a Roth IRA. ** [Read More](https://blog.creekmurwealth.com/blog/what-is-a-back-door-roth-ira) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/what-is-a-back-door-roth-ira#comments-listing) Topics: [Roth Conversions](https://blog.creekmurwealth.com/blog/tag/roth-conversions), [Roth IRA](https://blog.creekmurwealth.com/blog/tag/roth-ira), [Roth IRAs](https://blog.creekmurwealth.com/blog/tag/roth-iras) ## [Why Roth IRA Conversions May Now Be Advantageous](https://blog.creekmurwealth.com/blog/whyrothiraconversionsmaynowbeadvantageous) Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 10:42 AM on September 17, 2020 [![](https://blog.creekmurwealth.com/hubfs/cs%20Roth%20IRA%20.jpg)](https://blog.creekmurwealth.com/blog/whyrothiraconversionsmaynowbeadvantageous) ## *Thanks to a couple of factors, some investors are thinking about this move before 2020 ends.* Roth IRAs have attracted retirement savers since their introduction in 1998. They offer the potential for tax-free retirement income, provided Internal Revenue Service rules are followed. Do Roth IRAs seem even more attractive these days? Perhaps. You can cite two factors: current tax rates and the passage of the Setting Every Community Up for Retirement Enhancement (SECURE) Act. Roth IRAs differ from traditional IRAs. Typically, distributions from traditional IRAs must start once you reach age 72, and the money distributed is taxed as ordinary income. When distributions are taken before age 59½,  [Read More](https://blog.creekmurwealth.com/blog/whyrothiraconversionsmaynowbeadvantageous) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/whyrothiraconversionsmaynowbeadvantageous#comments-listing) Topics: [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement), [Roth Conversions](https://blog.creekmurwealth.com/blog/tag/roth-conversions), [Roth IRA](https://blog.creekmurwealth.com/blog/tag/roth-ira) ## [Starting a Roth IRA for a Teen](https://blog.creekmurwealth.com/blog/startingarothiraforateen) Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 4:00 PM on July 30, 2020 [![](https://blog.creekmurwealth.com/hubfs/Teen%20with%20Grandparents%20CS1106864.jpg)](https://blog.creekmurwealth.com/blog/startingarothiraforateen) ## *This early financial decision could prove helpful over time.* Want to give your child or grandchild a great financial start? A Roth IRA might be a choice to consider. There are many reasons why starting a Roth IRA for a teenager may be a sound financial strategy. Read on to learn more about how doing this may benefit both of you. **Tax-free benefits during retirement**. Setting up a Roth IRA for the teenager in your life could prime them to have more retirement savings. Plus, a Roth IRA has the potential to accumulate over the years, and the owner may be able to better manage their tax burden if they withdraw the money after age 59½.1 [Read More](https://blog.creekmurwealth.com/blog/startingarothiraforateen) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/startingarothiraforateen#comments-listing) Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Leaving a Legacy](https://blog.creekmurwealth.com/blog/tag/leaving-a-legacy), [Roth IRA](https://blog.creekmurwealth.com/blog/tag/roth-ira) ## [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) ## [That First RMD from Your IRA](https://blog.creekmurwealth.com/blog/thatfirstrmd) Posted by [Creekmur Staff](https://blog.creekmurwealth.com/blog/author/creekmur-staff) on 12:30 PM on October 22, 2019 [![2019-financial-to-do-list](https://blog.creekmurwealth.com/hubfs/2019-financial-to-do-list.jpg)](https://blog.creekmurwealth.com/blog/thatfirstrmd) ## *What you need to know.* When you reach age 70½, the Internal Revenue Service instructs you to start making withdrawals from your traditional IRA(s).These withdrawals are also called Required Minimum Distributions (RMDs). You will make them, annually, from now on.1 If you fail to take your annual RMD or take out less than the required amount, the I.R.S. will notice. You will not only owe income taxes on the amount not withdrawn, you will owe 50% more. (The 50% penalty can be waived if you can show the I.R.S. that the shortfall resulted from a “reasonable error” instead of negligence.)1 Many IRA owners have questions about the rules related to their initial RMDs, so let’s answer a few. [Read More](https://blog.creekmurwealth.com/blog/thatfirstrmd) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/thatfirstrmd#comments-listing) Topics: [Wealth Management](https://blog.creekmurwealth.com/blog/tag/wealth-management), [Roth IRA](https://blog.creekmurwealth.com/blog/tag/roth-ira), [Taxes and retirees](https://blog.creekmurwealth.com/blog/tag/taxes-and-retirees), [taxes](https://blog.creekmurwealth.com/blog/tag/taxes) ## [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) [All posts](https://blog.creekmurwealth.com/blog/all) [Next](https://blog.creekmurwealth.com/blog/tag/roth-ira/page/2) 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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