You’ve saved diligently. You’ve invested smartly. But how confident are you that your retirement income plan will give you tax-free growth, flexible withdrawal options, and a comfortable lifestyle decades from now? One powerful tool many overlook is the Roth family of accounts. From the basic Roth IRA to Roth options inside your employer plan, it’s essential to know your choices, limitations, and how they stack up.

Here’s where it matters:

Roth accounts allow you to pay tax now, in exchange for tax-free growth and qualified withdrawals later. But each vehicle has its own rules, eligibility, and trade-offs, and choosing the wrong one (or ignoring it altogether) may erode your tax advantage or limit flexibility.
Let’s walk through the major types of Roth accounts, how they work, their ups and downs and why sometimes a smart life-insurance-based strategy may deserve a seat at the table too.