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

Forge Trust customers. Forge Trust will be closed on America's Independence Day, Friday, July 3rd. We will re-open on Monday, July 6th, at 8 AM Central.

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