Traditional IRA, ROTH IRA, Infinite ROTH on ROIDS™

Comparing Contribution Limits, Earned Income Limits Tax Deductibility Provisions and Risk Assessment Levels of Different IRA Retirement Plans

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Table of traditional IRA, ROTH IRA and Infinite ROTH on ROIDS™ comparing the contribution limit amounts, earned income limits, tax deductibility provisions and age of forced withdrawals, early withdrawal tax penalties, growth period, risk assessment, tax distribution amounts and consequences of estate taxes of each IRA strategy.

Tax year 2008 & 2009 Traditional IRA
(First Bucket)
ROTH IRA
(Second Bucket)
Infinite ROTH on ROIDS™ (Cash Value Life Ins.)
(Third Bucket)
Contribution Limit Amount $5,000 + $1,000 if age 50-and above ($6,000) $5,000 + $1,000 if age 50 -and above ($6,000) NO Limits on contribution amounts ($5,000; 50,000, 100,000, etc.) Based on your health and size of your wallet
EARNED Income Limits Based upon MAGI (Modified Adjusted Income) Single, Head of Household, Married Filing Single: full contribution to $53K, partial to $63K; Married filing Joint: full contribution to $85K, partial to $105K; can't contribute more than your Earned Income for that year. (It's complicated consult your Tax Advisor) Based upon MAGI (Modified Adjusted Income) Single: full contribution to $101K partial to $116K; Married, full contribution up to $159K partial to $169K; can't contribute more than your Earned Income for that year. (It's complicated consult your Tax Advisor) NO LIMITS There's NO EARNED Income qualification tests. You must be healthy
Tax Deductible YES, if you meet the age and Earned Income criteria. NO (Contributions are with After Tax Dollars) and you must meet Age and Earned Income criteria. NO (Contributions are with After Tax dollars). There are NO age or Earned Income criteria.
Forced Withdrawals. YES. Must withdraw at age 70 1/2. Penalty is 50% of required minimum distribution. NONE NONE
Early Withdrawal Income Taxable plus 10% penalty if distributed before age 59 1/2. Early withdrawals that are more than contributions or taken before seasoning of 5 years is subject to Income Taxes plus 10% penalty if it's not qualified money. Distributions can begin after age 59 1/2. NONE
Growth Period Tax Deferred (Taxes are paid on distributions). Tax-Free (No Taxes on growth years). Tax-Free Growth is guaranteed.
Risk YES, subject to the underlying investment assets and the ups and downs of the stock market. YES, subject to the underlying investment assets and the ups and downs of the stock market. None, Principal is guaranteed
Distributions Taxable Tax-Free beginning at age 59 1/2. Tax-Free from policy loans (Tax-Free retirement Nest Egg).
Estate Taxes Yes. It's part of the Estate Tax consequences. 70% to 80% double tax-trap If the large IRA (jumbo IRA) owner has an Estate Tax problem. None. ROTH IRA balance can be passed on to heirs Tax-Free. None. Death Benefit can be passed on to heirs Tax-Free, if planned.

It seems crystal clear, you don't have to be hit in the face by a high flying baseball, Congress will neither allow the estate tax (death tax) to expire in 2010 nor return to its pre-2001 form of $1 million exemption. There is NO bad risk/reward for Congress, since the estate tax applies only to the top 2% and they can afford to lose those votes, to stay in business. The eventual estate tax reform will likely be more apparent, more progressive, more sharply defined, against the very largest estates. If you have a large IRA you need to plan ahead of the coming storm. Contact us. We have an IRA rescue plan to mitigate these unpleasant coming events, before it's too late and the big door is closed, forever.

To learn more about precise asset protection systems, tax-free wealth creation, advanced income tax, tax-deferred strategies, implementation of tax efficient transfers to your next generation with IRA rescue retirement plans, elimination of the probate process, and the elimination of the only voluntary estate tax system, contact Rocco Beatrice. Rocco Beatrice, CPA, MST, MBA, CWPP, CAPP, MMB - Managing Director, Estate Street Partners, LLC. Mr. Beatrice is an "AA" rated asset protection award-winning trust and estate planning expert. Mr. Beatrice is the Massachusetts, Rhode Island, and New Hampshire State Representative for the Asset Protection Society (www.AssetProtectionSociety.org).

Estate Street Partners, LLC is a facilitator to proven IRA rescue and solution planning for ROTH IRA, traditional IRA, tax planning with IRAs, & infinite ROTH on ROIDS™ with a skilled team of advisors, qualified attorneys and accountants. IRA rescue planning is complex and best left to qualified experienced professionals. Call 508-429-0011 for the best retirement plans and see if you qualify.

This statement is required by IRS regulations (31 CFR Part 10, §10.35): Circular 230 disclaimer: To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. federal tax advice contained in this communication (including any attachments) is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein

To learn more about how to protect your ROTH IRA, reduce IRA taxes and have a personal assessment of your tax portfolio contact Best IRA Rescue. We provide professional services in: precise asset protection systems; tax-ree wealth creation systems; advanced income tax tax-deferred strategies; implementation of tax efficient transfers to your next generation elimination of the probate process; the elimination of the only voluntary estate tax system for IRAs and other estate-related situations; specialized IRA retirement rescue plans and solutions.

Rocco Beatrice, CPA, MST (Master of Science in Taxation), MBA (Master of Business Administration), BSBA (Management/Accounting), CWPP (Certified Wealth Preservation Planner), CMMB (Certified Mortgage Broker), CAPP (Certified Asset Protection Planner), Managing Director, Estate Street Partners, LLC. Mr. Beatrice is an asset protection, award-winning trust, estate planning and tax expert.

If you are seeking for the best return on your IRA and Roth IRA investments while reducing your taxes then call us now for your initial, completely FREE, no obligation, no sales pressure, 100% total & complete client privacy consultation. Call us toll-free now at 888-93-ULTRA (888-938-5872)!

Estate Street Partners, LLC
Uncompromising, Alternative and Exclusive Retirement Planning & Wealth Management for an Accelerated Chartered Roadmap to Financial Success

Boston (head office):
71 Commercial Street #150, Boston, MA 02109
toll-free: 888-93-ULTRA (888-938-5872)
tel: +1.508.429.0011 fax: +1.508.429.3034
California:
543 Victoria Ste. J, Costa Mesa, CA 92627
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Nevada:
Only by appointment: 2235 E. Flamingo Road, Suite 201-G, Las Vegas NV 89119
toll-free: 888-93ULTRA (888-938-5872)
tel: 702.615.7616 fax: 702.796.6694

Providing the best IRA retirement plans for your ROTH IRA, traditional IRA and inherited IRA. Contact us now to reduce your inherited IRA taxes even if you have complex estate tax problems.

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