--- title: Traditional Vs. Roth IRA description: In addition to distribution rules, there are limits on how much can be contributed each year to either traditional vs. Roth IRAs. 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/) [![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 # 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 ## *![traditiona-roth-ira](https://blog.creekmurwealth.com/hs-fs/hubfs/traditiona-roth-ira.jpg?width=394&name=traditiona-roth-ira.jpg)* ## 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. **Know the limits.** Up to certain limits, traditional IRAs allow individuals to make tax-deductible contributions into the account. Distributions from traditional IRAs are taxed as ordinary income, and if taken before age 59½, may be subject to a 10-percent federal income tax penalty. Remember, under the SECURE Act, in most circumstances, once you reach age 72, you must begin taking required minimum distributions from a Traditional Individual Retirement Account (IRA). Additionally, you may continue to contribute to a Traditional IRA past age 70½, under the SECURE Act, as long as you meet the earned-income requirement. **Filing single.** For singles, the maximum tax-deductible contribution starts shrinking once your modified adjusted gross income (MAGI) reaches $65,000. Singles with adjusted incomes of $75,000 and above are not eligible for a tax deduction.2 **Filing jointly.** For those who are married and filing jointly, things are a bit more complicated. If you or your spouse makes an IRA contribution that is covered by a workplace retirement plan, the deduction begins phasing out when your adjusted gross income is at $104,000, and it disappears at $124,000. However, if you do not have a workplace plan, but your spouse does (or vice versa), the 2020 limit starts at $196,000, and no tax deduction is allowed once the contributor’s income reaches $206,000. Also, within certain limits, individuals can make contributions to a Roth IRA with after-tax dollars. To qualify for a tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a five-year holding requirement and occur after age 59½.3 **Income impacts total contributions.** Like a traditional IRA, contributions to a Roth IRA are limited based on income. For 2019, contributions to a Roth IRA are phased out between $193,000 and $203,000 for married couples filing jointly and between $122,000 and $137,000 for single filers. **Contribution limits.** In addition to distribution rules, there are limits on how much can be contributed each year to either IRA. In fact, these limits apply to any combination of IRAs; that is, workers cannot put more than $6,000 per year into their Roth and traditional IRAs, combined. So, if a worker contributed $3,500 in a given year into a traditional IRA, their contributions to a Roth IRA would be limited to $2,500 during that same year.4 **Catch-up contributions.** Individuals who reach age 50 or older by the end of the tax year can qualify for “catch-up” contributions. The combined limit for these is $7,000.5 **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). **  **[![Will your money last as long as you do? Click here to find out! ](https://no-cache.hubspot.com/cta/default/4906824/b714a733-2245-470a-bad0-527b2f196e6b.png)](https://cta-redirect.hubspot.com/cta/redirect/4906824/b714a733-2245-470a-bad0-527b2f196e6b)** Mutual funds are sold only by prospectus. Please consider the charges, risks, expenses and investment objectives carefully before investing. A prospectus containing this and other information about the investment company can be obtained from your financial professional. Read it carefully before you invest or send money. 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/individual-retirement-arrangements-iras, \[01/09/2020\] 2 - irs.gov/retirement-plans/ira-deduction-limits, \[12/20/2019\] 3 - irs.gov/retirement-plans/are-you-covered-by-an-employers-retirement-plan \[01/08/2020\] 4 - irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits \[02/07/2020\] 5 - Internal Revenue Service, 2019. The Tax Cuts and Jobs Act of 2017 eliminated the ability to "undo" a Roth conversion.![traditiona-roth-ira](https://blog.creekmurwealth.com/hs-fs/hubfs/traditiona-roth-ira.jpg?width=1200&name=traditiona-roth-ira.jpg)   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/) ![](https://blog.creekmurwealth.com/hs-fs/hubfs/Creekmur-30-Anniversary-Logo%20with%20years-png.png?width=1443&height=1254&name=Creekmur-30-Anniversary-Logo%20with%20years-png.png)   - [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" : "2020-04-23T19:18:23.729Z", "datePublished" : "2020-04-23T19:18:23.000Z", "headline" : "Traditional Vs. Roth IRA", "image" : [ "https://blog.creekmurwealth.com/hubfs/traditiona-roth-ira.jpg" ], "mainEntityOfPage" : { "@id" : "https://blog.creekmurwealth.com/blog/traditional-vs.-roth-ira", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.creekmurwealth.com/hubfs/Creekmur_Logo_Horizontal_Color-2.png" }, "name" : "Creekmur Wealth Advisors" } } ```