A Roth IRA conversion could be a smart move for your retirement strategy. By converting funds from a traditional IRA or 401(k) to a Roth IRA, you pay taxes now in exchange for tax-free benefits later. Here’s why it might be worth considering:

• Tax-free growth and withdrawals – Once converted, your investments grow tax-free, and withdrawals in retirement (after age 59½ and meeting the 5-year rule) are also tax-free.
• No Required Minimum Distributions (RMDs) – Unlike traditional IRAs, Roth IRAs don’t require you to take withdrawals at a certain age, allowing your savings to grow longer.
• Lower future taxes – Pay taxes now, potentially at a lower rate, to avoid higher taxes later — especially if tax rates rise.
• Estate planning advantages – Roth IRAs offer tax-free withdrawals for beneficiaries, making them a great tool for passing on wealth efficiently.
• More retirement flexibility – Roth IRA funds provide a tax-free income source, helping manage your overall tax burden, Medicare premiums, and Social Security taxes.

Thinking about a Roth conversion? Make sure to consider your current and future tax situation. Consulting with your Signet Financial advisor can help you decide if it’s the right move for you!

IMPORTANT DISCLOSURE

This is a publication of Signet Financial Management, LLC.

The information presented is believed to be factual, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Information in this presentation does not involve the rendering of personalized investment advice. It is limited to the dissemination of general information on products and services. A professional adviser should be consulted before implementing any of the options presented.

Information in this presentation is not an offer to buy or sell, or a solicitation of an offer to buy or sell the securities mentioned herein. Information on this presentation is directed toward U.S. residents only. Signet only transacts business in states where it may legally do so.