Entries by Karen Dzierzynski

Happy 20th Anniversary Roth IRA! – Author: Carol Schmidlin

January 1, 2018, marks the 20th Anniversary of the Roth IRA, which was established by the Taxpayer Relief Act of 1997 and named for its chief legislative sponsor, Senator William Roth of Delaware. Investing in a Roth allows you to pay tax on the seed (the smaller, contribution amount) and reap the bounties of the harvest (the contributions plus earnings) tax […]

Accelerate the Tax Efficiency of Roth TSP Distributions

Given the fear of future tax increases, why aren’t more federal employees utilizing the Roth TSP to provide a buffer from future taxes? I ask this question all the time during workshops and individual sessions with federal employees. The most popular responses are: (1) I don’t understand how the Roth TSP works, (2) I will […]