Do you Qualify? Can you Benefit?

Converting IRAs & other qualified retirement accounts to Roth IRAs can mean big tax advantages. To quailfy in 2009 your modified adjusted gross income cannot exceed $100,000, but in 2010 the income limit is removed. Find out if this opportunity is right for you…

• Roth IRAs grow tax-free & withdrawals are tax-free to you, surviving spouse & beneficiaries.
• Unlike other IRAs, no annual withdrawals are required from a Roth for you or your spouse.
• Tax Free withdrawals from Roth IRAs can lower taxes on Social Security benefits.
• Converting now means lower taxes if you have losses in IRA accounts.
• If future taxes rise, going Roth now could result in big tax savings.

The “no income: limit in 2010 could be a one-time opportunity. Don’t miss this big “tax sale”. Here are other reasons to go Roth:

• Possibly lower Medicare Part B premiums;
• Itemized deductions are of greater value;
• Helps you stay in lower income tax brackets;
• Guaranteed tax-free lifetime income possible;
• Buy out IRS partner now in case your account value recovers;
• Change of mind allowed before final taxes filed.

Not everyone can benefit from converting to a Roth IRA. Consult a financial advisor before moving money to a Roth.

CATALIST FINANCIAL
310 West Main St.
Greenwood, IN 46142
(866) 460.4321
(317) 441.4321
ben@catalistfinancial.com

www.catalistconsulting.com

LEGAL, INVESTMENT & TAX NOTICE
This information is not intended to be, nor should it be contrued to be, legal/investment/tax advice. It is recommended that you obtain such advice directly from legal, tax and/or investment professionals or rely upon your own research. For more information on Roth IRAs, refer to IRS PUBLICATION #590

IRS Circular 230 Disclosure.
To the extent this information concerns tax matters, it is not intended to be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law.