A Guide to the Roth 401(k): Your Tax-Free Magic Bullet for Retirement

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A Guide to the Roth 401(k): Your Tax-Free Magic Bullet for Retirement

A Guide to the Roth 401(k)

Are you wondering whether a Roth 401(k) could give your retirement a smart tax edge? You’re not alone, and you’re in the right place. Let’s break down why Roth contributions might be a game-changer for your future.

Hi, I’m Hunter Brockway, founder of Boca Retirement Strategies, where we help good people retire successfully with more money, less stress, and fewer taxes.

Let’s talk. Roth 401(k)s could be a smart move. Roth 401(k)s aren’t just for young professionals anymore. If you’re approaching retirement, working fewer hours, or taking a temporary income dip, now could be the perfect time to shift some of your savings into a Roth. Why? Because you’re likely paying less in taxes today than you might be in retirement. Roth contributions are taxed now, but grow tax-free, and when you withdraw them later, Uncle Sam doesn’t get a dime. Unlike traditional 401(k)s, Roth 401(k)s have no required minimum distributions (RMDs) at age 73. That means your savings can stay invested longer and keep growing without you being forced to pull them out. Psychologically, Roths are a breath of fresh air. Knowing your withdrawals are tax-free gives you predictability and peace. No guessing future tax rates, no surprises. If you want to leave a legacy, Roths are a dream for estate planning. Your heirs can enjoy tax-free distributions for up to 10 years and won’t owe a cent in taxes.

So, should you make Roth 401(k) contributions? If you’re at a low tax bracket now and want your savings to grow tax-free and to have more control in retirement, then yes, it’s definitely worth considering.

If you have any financial questions, you can email us at contact@bocaretirement.com.

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Maybe it’s understanding how much they can actually spend without running out of money. Maybe it’s realizing that their tax bill in retirement might be higher than they expect. Or maybe it’s discovering they could be leaving six figures on the table with their Social Security strategy.The workbook includes reflection questions, real case studies, and specific action steps you can take. It’s designed to help you identify where you’re on track and where you might need to focus more attention.

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