RETIREMENT PLANNING With Rob Ryan ZRYAN WEALTH MANAGEMENT Cta Car HOLDING PATTERNS It is generally recommended that investors hold investments with the greatest growth potential in a Roth IRA, while assets with more moderate returns (such as bonds) may be best kept in a traditional IRA. This is because Roth IRAS are funded with after-tax dollars, and later withdrawals will be tax-free. Moreover, unlike a traditional IRA, there is no requirement that minimum withdrawals be taken from a Roth IRA after age 70%. With this in mind, because it is quite possible that Roth IRAS will continue to grow for many years, it is best to place the most aggressive (or riskiest) investments in a Roth IRA, where they can take maximum advantage of tax-free growth. Roth IRAS and 401(k)s are both valuable retirement savings plans, and you can contribute to both if you want. If your 401(k) plan is expensive, or the lineup of investments isn't good, then it makes sense to max out a Roth IRA or a traditional IRA, because you'll generally be able to find a wide range of low-cost investments with an Investment Advisor. The goal of the advisors at Ryan Wealth Management is to take the mystery out of investing, managing risk, and preserving your assets in retirement, including working towards tax efficiency. We can even help set up a 401(k) plan, including Roth investing. Please call us to schedule a consultation. Roth IRAS can be left to heirs, who can also take advantage of tax-free withdrawals. To contact Rob Ryan: (530) 671-2100 retire@ryanwealth.com | www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will Í outlive my money?" Rob Ryan isa Reglatered Representative offering securities and advisory services threugh Reyal Alliance Associates, Inc. a registered broker dealer and registered investment advisor, Member FINRA. SIPC. Additional advisory services, insurancer and Estate Planning offered through Ryan Wealth Management are independent of Royal Alliance. Principal of Ryan Wealth Management, Inc. located at 463 Centary Park Drive ie Yubu City. CA Insurance L. rOCOs959 RETIREMENT PLANNING With Rob Ryan ZRYAN WEALTH MANAGEMENT Cta Car HOLDING PATTERNS It is generally recommended that investors hold investments with the greatest growth potential in a Roth IRA, while assets with more moderate returns (such as bonds) may be best kept in a traditional IRA. This is because Roth IRAS are funded with after-tax dollars, and later withdrawals will be tax-free. Moreover, unlike a traditional IRA, there is no requirement that minimum withdrawals be taken from a Roth IRA after age 70%. With this in mind, because it is quite possible that Roth IRAS will continue to grow for many years, it is best to place the most aggressive (or riskiest) investments in a Roth IRA, where they can take maximum advantage of tax-free growth. Roth IRAS and 401(k)s are both valuable retirement savings plans, and you can contribute to both if you want. If your 401(k) plan is expensive, or the lineup of investments isn't good, then it makes sense to max out a Roth IRA or a traditional IRA, because you'll generally be able to find a wide range of low-cost investments with an Investment Advisor. The goal of the advisors at Ryan Wealth Management is to take the mystery out of investing, managing risk, and preserving your assets in retirement, including working towards tax efficiency. We can even help set up a 401(k) plan, including Roth investing. Please call us to schedule a consultation. Roth IRAS can be left to heirs, who can also take advantage of tax-free withdrawals. To contact Rob Ryan: (530) 671-2100 retire@ryanwealth.com | www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will Í outlive my money?" Rob Ryan isa Reglatered Representative offering securities and advisory services threugh Reyal Alliance Associates, Inc. a registered broker dealer and registered investment advisor, Member FINRA. SIPC. Additional advisory services, insurancer and Estate Planning offered through Ryan Wealth Management are independent of Royal Alliance. Principal of Ryan Wealth Management, Inc. located at 463 Centary Park Drive ie Yubu City. CA Insurance L. rOCOs959