Why You Should Switch to a Roth IRA Now

Traditional IRA vs Roth IRA is one of the most common retirement planning questions clients bring to their tax professional, and the answer depends entirely on tax strategy. In this training session, Nadia Rodriguez, CPA, CTC breaks down the full tax picture of both account types, including contribution limits, income phaseouts, Roth conversions, backdoor Roth IRA strategy, required minimum distributions, and the Saver's Credit, plus a live demo of Crecer, an IRA platform built for small business clients. What tax professionals will learn: Traditional IRA vs Roth IRA: tax differences, deductibility rules, and distribution requirements side by side Employer-sponsored retirement plans overview: 401k, 403b, SEP IRA, and SIMPLE IRA compared Traditional IRA rules: deductibility phaseouts, income limits, and RMD planning Roth IRA rules: eligibility thresholds, tax-free growth, and qualified distribution requirements Backdoor Roth IRA strategy: how it works and when to recommend it to clients Roth conversion planning: when it makes sense based on a client's current and future tax situation How to plan around income thresholds and required minimum distributions for retirement-age clients Saver's Credit explained: an often-overlooked credit your clients may be leaving on the table Guest demo: Crecer app, a personalized IRA platform for small business clients and how it compares to Fidelity and CalSavers Q&A covering Crecer referral program and platform comparison This session is built for CPAs, enrolled agents, bookkeepers, and tax preparers who want to confidently guide clients through retirement account decisions and add retirement tax planning to their advisory services. Want to go deeper? Here is where to connect: Join the Nadia CPA Inner Circle, a growing community built for tax professionals ready to level up their practice: 👉 https://taxtrainingacademy.com/commun... Explore courses, masterclasses, and CE-eligible training at Tax Training Academy: 👉 https://www.taxtrainingacademy.com Follow Nadia on Instagram for weekly tax tips: 👉 @nadia.cpa Connect with Nadia Rodriguez, CPA CTC at: www.NadiaCPA.com Instagram: / nadia.cpa Facebook: /NadiaR.CPA LinkedIn: / nadiarodriguezcpa 0:00 Introduction and Welcome 3:12 Why Retirement Planning Matters 7:17 Types of Retirement Accounts Overview 8:01 Employer-Sponsored Plans: 401k, 403b, SEP IRA, SIMPLE IRA 13:21 Traditional IRA: Rules, Deductibility and Distributions 21:32 Roth IRA: Benefits, Eligibility and Distributions 27:51 Traditional vs. Roth IRA: Side-by-Side Comparison 31:03 Backdoor Roth IRA Strategy 36:23 Saver's Tax Credit 37:47 Guest Demo: Crecer IRA Platform for Small Businesses 43:20 Q&A: Crecer vs. Fidelity, CalSavers and Referral Program