A Tax Saving Investment opportunity for EVERYONE
The “Non-Traditional IRA” advantage

Take advantage of a one-time tax law provision that will allow traditional IRA’s to be rolled over to a Roth IRA, regardless of your income!

Roth IRA’s are exceptional investments since distributions at retirement are completely Tax-Free. Everyone should do a Roth if they qualify because your after tax return will be much higher than with traditional IRA’s. Unfortunately many people don’t qualify for a Roth because their income is too high. The government does allow you to convert an existing IRA to a Roth, (taxable the year you do it) but you are subject to the same income restrictions. However, in 2010, for one year only, you will be allowed to convert traditional IRA’s over to a Roth, regardless of your income!!!

So for those who do not qualify to do a Roth, here’s a way to save more for retirement and keep more of what you earn…..

*Right now - make a Non-Deductable IRA contribution for 2007 as well as for 2008 before April 15, (do 2009 next year)….and convert it to a Roth in 2010 regardless of your income….with little or no taxes owed! This can be done in addition to your current retirement plan (401k, SEP, Roth etc). An individual tax payer could save an extra $17,000, and a couple $34,000 by 2010 that will grow tax-deferred and be completely Tax-Free upon withdrawal! It’s that simple.

Question: What is the difference between a Roth and a Traditional IRA contribution?

The Roth contribution is made with after-tax dollars. The earnings on the Roth grow and are distributed at retirement completely Tax-Free.


The Traditional IRA deferral is made with pre-tax dollars – with a tax-deduction. The earnings on the Traditional deferrals are taxed when they are withdrawn.

*Non-Deductable IRA is available to all tax payers regardless of income. The contributions are after-tax but grow tax deferred. They are taxable upon withdrawal….but NOT if you convert it to a Roth!

Income restrictions for IRA to Roth conversions go away for one year only in 2010.