In this episode, Mark Zagurski tackles a crucial financial question sparked by a conversation with his video producer—Is the Roth IRA the gold standard? With nearly 30 years of experience in training and developing financial advisors at Mutual of Omaha Advisors, Mark breaks down the differences between Roth and Traditional IRAs, explaining the advantages and trade-offs of each.
Listeners will gain a deeper understanding of:
• How the Roth IRA was created and why it differs from a Traditional IRA.
• The key benefits of a Roth IRA, including tax-free withdrawals in retirement.
• Roth 401(k) contributions, now available in over 90% of employer-sponsored retirement plans.
• Roth IRA conversions—when and why they might be a smart financial move.
• The tax question: Should you pay taxes now (Roth) or later (Traditional)?
• The impact of future tax rates and how to plan for financial flexibility.
• The connection between Roth IRAs and financial freedom—how they fit into a larger wealth-building strategy.
Mark also introduces an important perspective—considering tax-advantaged financial tools like cash value life insurance as a complementary option for wealth building and legacy planning.
The real question isn’t whether the Roth IRA is the gold standard, but whether it aligns with your financial goals. If you’re unsure about your retirement strategy, now is the time to create a plan tailored to your needs.
“A financial plan isn’t about guessing tax rates in the future; it’s about creating flexibility and control over your financial future.” - Mark Zagurski
Connect with Mutual of Omaha Advisors through the following links:
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Sign Up For a Free Financial Strategy Meeting
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Investing involves risk, including loss of principal.
This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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