“In the world of financial planning, the Roth IRA sometimes looks like the cool younger brother of the more vanilla traditional IRA. Indeed, the Roth version, first introduced in 1998, offers a number of features that look pretty attractive: a lack of required minimum distributions (RMDs), the flexibility to withdraw money prior to retirement and the ability to make contributions past the age of 70½.” Is there a time when you wouldn’t want to open a Roth?
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