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1. You have a maximum annual limit that you can contribute to a (ROTH) IRA in any given year.


2. It is possible to make non-deductible contributions to your Traditional IRA.


3. Some company-sponsored plans offer:


• After-tax contributions in the form of a ROTH 401k.


• In-Plan ROTH Rollovers (IRR) from the traditional (pre-tax) side of the 401k to the ROTH 401k side.


The extent to which you should take


advantage of the unique features for your retirement depends on your situation. While some features may make sense, not all may be relevant for you.


Learn from Our Client Successes


Recently I helped a few clients* understand their latest company retirement plan choices and ensure that they con- tinue to make the right decisions for their circumstances. Here are their stories:


• Joy recently changed jobs. We discussed what Joy could do with her 401k plan from her previous employer as well as what retirement plan investment choices were avail- able to Joy at her new company. After considering the options, Joy decided to rollover her previous 401k plan to her personal IRA so that her investments would be se- lected by my team and me accord- ing to her fi nancial plan.


• Randy learned that his employer was making available to all employees a new ROTH 401k. He had not been able to contribute to his ROTH IRA for years and wondered whether this new choice made sense for him. Randy and I reviewed the terms of the ROTH 401k opportunity consid- ering his fi nancial goals, cash fl ows, and tax rates. In the end, we con- cluded that enrolling in the ROTH 401k plan made the most sense for Randy’s situation.


• New client Katie shared with me her current holdings in her company’s 401k plan. After reviewing her positions, my team and I concluded that Katie was invested much more aggressively at a higher level of risk than needed given her retirement plans, careful saving and spend- ing behaviors, and other fi nancial resources. Katie and I discussed her choices and she decided to reduce


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