Delaware Valley Retirement

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Today: Closed

Tomorrow: 9:00 am - 5:00 pm

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Hours

Regular Hours

Mon - Fri:	9:00 am - 5:00 pm
Sat - Sun	Closed

Roth IRA
Combine many of the benefits of a traditional 401(k) and a Roth IRA. For tax purposes, employees participating in this type of plan can choose to have a portion, or the full amount, of their retirement plan contribution treated in the same way as Roth IRA contributions. In a traditional 401(k), all contributions are considered by the IRS as pre-tax; distributions after retirement are subject to income tax. In a Roth 401(k), contributions are made after-tax. This increases the participant’s immediate tax burden, but the principal grows tax-free and distributions are tax-free if certain qualifications are met. Employers often can match some portion of the amount deferred by each employee, just as they can with a traditional 401(k).

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