The Roth 5-Year Rule Explained

Confused by the Roth 5-year rule? If so, you’re not alone. The Roth IRA can feel like a financial enigma, and the 5-year rule is often misunderstood, leading to hesitation and missed opportunities. But today, we’re breaking down the mystery.

Listen in as your certified retirement counselor Mark Struthers explains the different variations of the 5-year rule, when each applies, and why timing is key—whether you’re planning a Roth conversion, eyeing early retirement, or mapping out a tax strategy. You’ll learn how Roth IRAs grow tax-deferred, when distributions become tax-free, and why even starting with just $10 in a Roth can have major long-term benefits.

 

Curious about working with Mark? Go to:

• https://www.videoask.com/fd9svtp2l
• www.SonaWealthAdvisors.com

 

Disclosure:

Investment advisory services are offered through Sona Financial LLC (DBA Sona Wealth Advisors, Sona Wealth, Sona Wealth Management), an investment adviser registered in the state of MN. Sona Financial only offers investment advisory services where it is appropriately registered or exempt from registration and only after clients have entered into an investment advisory agreement confirming the terms of engagement and have been provided a copy of the firm’s ADV Part 2A brochure and document. 

This video or article is for educational purposes only and is not exhaustive. Nothing discussed during this show/episode should be viewed as investment advice. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but is intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax, or financial advice. Please consult a legal, tax, or financial professional for information specific to your individual situation.

This content has not been reviewed by FINRA.