Reminder: Please submit your annual investment valuation updates. Some updates can be completed directly through our Customer Portal.

Forge Trust will be closed November 27-28, in observance of the Thanksgiving Holiday. We will reopen on Monday, December 1, at 8:00 AM Central Time.

Reminder: Submit your 2025 Required Minimum Distribution (RMD) request by December 1, 2025, to avoid delays!

Reminder: Please submit your annual investment valuation updates. Some updates can be completed directly through our Customer Portal.

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Roth IRA

With a Roth IRA, you make contributions with money on which you have already paid taxes. Your money can then potentially grow tax-free, with tax-free withdrawals in retirement, provided that certain conditions are met.

Plan Benefits:

Is this retirement account right for you?

Earnings grow tax-free

Tax-free withdrawals, if qualified

No required minimum distributions

Contributions are protected from creditors

Can be paired with another retirement plan

Eligibility:

Available to individuals with no age limit
Must have earned income to contribute

2024 & 2025 Contributions:

After tax contributions grow tax and penalty-free with a maximum contribution of $7,000 ($8,000 if age 50 or older) for 2024 and 2025. Contribution eligibility is based on your modified adjusted gross income (MAGI).

Investment returns or gains:

Investment Returns or Gains:

After age 59 ½ investment returns can grow tax-free and penalty-free if the account has been open at least five years.

Funding Your Account:

Contribute earned income after tax
Roll over after tax funds from a 401(k)
Transfer from another Roth IRA
Convert a Traditional IRA to a Roth IRA

Withdrawals:

Tax-free and penalty-free at any age
Subject to the five-year rule; a waiting period on three types of withdrawals: if you withdraw account earnings, if you convert a traditional IRA to a Roth, and if a beneficiary inherits a Roth IRA
No Required Minimum Distributions (RMDs) during the lifetime of the original account owner

Plan Benefits:

Earnings grow tax-free

Tax-free withdrawals, if qualified

No required minimum distributions

Contributions are protected from creditors

Can be paired with another retirement plan

Is this retirement account right for you?

Eligibility:

Available to individuals with no age limit
Must have earned income to contribute

2024 & 2025 Contributions:

After tax contributions grow tax and penalty-free with a maximum contribution of $7,000 ($8,000 if age 50 or older) for 2024 and 2025. Contribution eligibility is based on your modified adjusted gross income (MAGI).

Investment returns or gains:

Investment Returns or Gains:

After age 59 ½ investment returns can grow tax-free and penalty-free if the account has been open at least five years.

Funding Your Account:

Contribute earned income after tax
Roll over after tax funds from a 401(k)
Transfer from another Roth IRA
Convert a Traditional IRA to a Roth IRA

Withdrawals:

Tax-free and penalty-free at any age
Subject to the five-year rule; a waiting period on three types of withdrawals: if you withdraw account earnings, if you convert a traditional IRA to a Roth, and if a beneficiary inherits a Roth IRA
No Required Minimum Distributions (RMDs) during the lifetime of the original account owner