08/06/2026
Traditional vs. Roth IRA: What’s the Difference?
One of the biggest differences comes down to when you pay taxes.
Neither option is “better” for everyone: it depends on your current income, future tax expectations, and retirement goals.
Not sure which option makes the most sense for you? We’re here to help you create a strategy that fits your financial future.
Traditional IRA – Contributions may be tax-deductible, meaning you could lower your taxable income today. You’ll pay taxes later when you withdraw the money in retirement.
Roth IRA – Contributions are not tax-deductible, so you pay taxes now. The benefit? Qualified withdrawals in retirement are completely tax-free.
