A Roth IRA can be a more flexible way forward.
A Roth IRA is a retirement account with flexibility. Contributions are made with after-tax money. This gives you access to your contributions (tax-and penalty-free) at any time, while earnings may be withdrawn federally tax-free, under certain conditions.*
A Roth IRA can supplement your retirement plan, allowing you access to your funds for life’s twists and turns.
How might a Roth IRA work for you? Select a personality below and explore possible options.
You may be married or already have a ring picked out. Sure, you’ll retire together but first, you’re thinking about future family goals like homeownership or watching your little athletes score the game-winning point. Those kids (or future kids) may be college bound, and you want to help pay their way before settling down for retirement.
You may be an up-and-comer but you mean business. Retirement matters to you but not at the expense of tying your money down. You may want the flexibility to chase a cross-country career move, satisfy your wanderlust, or pursue entrepreneurial endeavors like that cozy, corner café or tech startup.
You may have lofty goals but you’re making progress. Whether you pursue knowledge or tackle projects head on, you demand the flexibility to make the most of your money to help you see them through. But as much as you live for today, you want to be prepared for retirement and tomorrow’s challenges.
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* We suggest that you talk with your tax advisor for any tax treatment questions on Roth IRA contributions and distributions, including any possible state income taxes. Thrivent and its employees and representatives cannot provide tax advice.