The Synthetic ROTH is a unique, blended legal and financial solution
that provides substantial benefits over the typical Roth IRA. The
Synthetic ROTH is grows tax-free (not merely tax-deferred), is very
heavily asset protected in all states, and provides a tremendous estate
tax-free wealth transfer at death.
The Synthetic Roth is not tax qualified. No deduction is available
for contributions to a Synthetic Roth.
| Synthetic Roth |
|
Typical Roth IRA |
| Qualification based on age and health |
|
Qualification based on income limits |
| Unlimited annual contributions |
|
Limited to $3,000 per year for individual
or $6,000 per year for husband and wife |
| Investment growth is tax-free |
|
Investment growth is tax-deferred |
| No early withdrawal penalty |
|
No early withdrawal penalty |
| No mandatory distribution at age 70.5 |
|
No mandatory distribution at age 70.5 |
| Assets held in the plan are protected
against creditors in all states |
|
Assets held in the plan may be protected
from creditors in some states |
| Unused plan assets pass outside the
estate at the participant's death |
|
Unused assets are trapped in the
participant's estate at death and subject to federal and state
estate taxes |
| Life insurance is utilized as an
investment vehicle |
|
Life insurance is prohibited from being
used as an investment vehicle |
The Synthetic Roth is available to both existing and new clients of
the firm. Please contact us for more
information.
Synthetic
ROTH