Four Roth IRA Pitfalls Your Adviser May Not Tell You About

Shared via Kiplinger . March 17, 2025

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Aaron Tallen, Security Benefit's Vice President, Head of Distribution Ops & 401k Defined Contributions, recently spoke with Kiplinger about the risks of Roth IRAs.

He points out the inability for higher earners to contribute directly to Roth IRAs, and mentions the benefits of conversions. He also mentions tax uncertainty.

"There's the uncertainty of ‘I know where my tax bracket is today, but I have no idea what my tax obligation will be in the future,’" he says. Tax code changes and life circumstances could make it so that the time to optimize tax breaks on retirement savings is during your working years, not retirement, making a Roth IRA a less optimal choice.

Read the full Kiplinger's article for all four pitfalls.

Neither Security Benefit Corporation nor its affiliates are fiduciaries. This information is general in nature and intended for use with the general public. For additional information, including any specific advice or recommendations, please visit with your financial professional.

Security Benefit, its affiliates and subsidiaries, and their respective employees and representatives, do not provide tax, accounting, or legal advice. Any statements contained herein concerning taxes were not intended as and should not be construed as tax advice, nor should they be used for the purpose of avoiding federal, state, or local taxes and/or tax penalties. Please seek independent tax, accounting, or legal advice.

SB-10063-82 | 2025-03-12