Roth IRA Secrets

Описание: Most confusion around Roth IRA withdrawal rules comes down to one misunderstood concept: the ordering rules and the 5-year “lock and clock” rule.

In this video, we break down exactly how Roth IRA taxes, Roth conversions, and Roth IRA earnings withdrawals are treated — and why misunderstanding this rule can trigger unexpected taxable income.

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CONNECT:
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ABOUT ERIK NERO:
Erik Nero is a CERTIFIED FINANCIAL PLANNER™ professional and founder of First Step Wealth Planning LLC. With over 25 years of experience in financial services—including roles at major Wall Street firms—Erik has helped hundreds of people transition into retirement with clarity and confidence. His approach focuses on understanding the person behind the numbers, not just optimizing portfolios.

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Using a simple three-story building analogy, you’ll finally understand:

How Roth IRA contributions are withdrawn
How Roth IRA conversions are taxed
When Roth IRA earnings become tax-free
The Roth IRA 5-year rule explained clearly
Why the IRS cares when your first Roth was funded
Why new conversions don’t restart the 5-year clock


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Standard Video Disclaimer for Retirement Money Explained

IMPORTANT DISCLOSURE
The information presented in this video is for educational and informational purposes only. It is not intended as financial, tax, legal, or investment advice, nor should it be construed as a recommendation to buy or sell any specific investment or product.
Every person's financial situation is unique. Before making any financial decisions related to retirement, taxes, investments, Social Security, Medicare, or any other topic discussed in this video, please consult with a qualified professional who understands your specific circumstances.
Investment Risks: All investments involve risk, including the potential loss of principal. The value of securities and investment accounts will fluctuate, and there is no guarantee that any investment strategy will be successful or suitable for your particular situation.
Tax Information: Any discussion of tax-related matters is general in nature and should not be considered tax advice. Tax laws are complex and subject to change. For guidance on your specific tax situation, please consult with a qualified tax professional or CPA.
No Guarantees: Past performance is not indicative of future results. No strategy can guarantee success or protect against loss in declining markets.
Not a Solicitation: This content is not a solicitation or offer to provide personalized financial planning or advisory services. Nothing in this video should be interpreted as a recommendation tailored to your individual needs.
By viewing this content, you acknowledge that you understand these limitations and agree to seek professional guidance before implementing any strategies discussed.

#RothIRA #RothConversion #RetirementPlanning #RetirementTaxes #FinancialPlanning #TaxStrategy #WealthManagement #retirementincome

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Erik Nero is a Certified Financial Planner™ professional. For more information about working with Erik or to schedule a consultation, visit https://first-stepwealth.com/ or schedule a consultation by clicking 👉 https://calendly.com/erik-firststepwe...

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