Another great question. For many people, the proper use of a Roth IRA may be a way to keep more by saving more. It is important to understand that an IRA is one of the most taxable accounts that one can own. In addition to taxes, there are potential penalties each year if the RMD is taken as little as one day late. Also, money that’s left to loved ones in a Roth IRA would distribute substantially more after-tax money. A tax-free distribution analysis would provide clarity in what is best for you. This area is our specialty. Feel free to contact us for more on this matter.