Roth IRA or Roth 403(b): Which Should I Do? (Ep. 9)
Many higher education professionals are missing out on a powerful retirement tool hiding in plain sight within their employer plans. Are you leaving tax-free money on the table? Do you know the difference between contribution limits and income restrictions across retirement accounts? In this episode, Greg Shepard breaks down the critical differences between Roth 403(b) and Roth IRA accounts, revealing why so many employees remain unaware of valuable retirement options. Greg explains income limits, withdrawal rules, tax diversification strategies, and when high earners should reconsider their approach. Key insights covered: • The widespread lack of awareness about Roth 403(b) options among higher education and medical professionals • No income limits on Roth 403(b) contributions versus strict Roth IRA income restrictions • Tax-free withdrawal benefits and the five-year holding requirement for Roth accounts • Custom tool development for calculating optimal pre-tax versus post-tax contribution strategies • Tax diversification strategies for retirement planning and why employers should mandate education sessions • And more! Connect with Greg Shepard: • Phone: (913) 521-2381 • Email: [email protected] • LinkedIn: Greg Shepard: / gregshepardsafinancial • Website: TIAA Simplified: https://tiaasimplified.com/ • Website: S&A Financial Services: https://www.safinancialservices.com/ • LinkedIn: S&A Financial Services, Inc.: / s-a-financial-services-inc S&A Financial Services, Inc. is a registered investment advisor. Content presented is for informational purposes only and should not be considered as investment advice or as an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Always consult with your tax advisor or attorney regarding your specific situation.
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