Traditional IRAs
Tax-deferred retirement savings with deductible contributions for many earners — the foundation of a self-directed retirement plan.
Overview
A Traditional IRA is a tax-advantaged retirement account that lets your investments grow tax-deferred until withdrawal. Contributions may be tax-deductible depending on your income and whether you're covered by a workplace plan, and earnings compound without annual tax drag.
Withdrawals in retirement are taxed as ordinary income, and required minimum distributions begin at age 73. Because withdrawals are taxed, a Traditional IRA is most powerful when you expect to be in a lower bracket in retirement than while working.
We coordinate your Traditional IRA with your 401(k), Roth, and taxable accounts to manage your tax bracket across retirement, and time conversions to capture value when the market and your income align.
Key Benefits
- Tax-deferred growth on all earnings
- Potentially deductible contributions
- Wide range of self-directed investments
- Coordinated tax-bracket planning with other accounts
Interested in Traditional IRAs?
Share a few details and a Lionheart advisor will reach out to answer your questions and see if traditional iras fits your plan.
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