A Roth IRA is a type of individual retirement account where your contributions are subject to federal and state taxes. The advantage? Earnings on a Roth IRA are tax-free if your Roth account has been open for at least five years and the savings are withdrawn after age 59½. Contributions (not earnings) can be withdrawn tax-free at any time, and there is no required minimum distribution at or after age 73.
Roth IRAs offer powerful tax advantages, including tax-free growth and withdrawals—so you can keep more of what you save for retirement.
Available at Any Age
Single individuals that have a modified Adjusted Gross Income (AGI) of up to $165,000 in 2025 to make a full contribution.12
Married individuals that have a modified Adjusted Gross Icome (AGI) of up to $246,000 in 2025 to make a full contribution.12
1. Not intended as tax advice. Please consult a tax professional. The above descriptions are meant to be educational in nature. Certain restrictions apply to every type of IRAs to take full advantage of their favorable tax treatment. It's important to understand the requirements and limitations on the various IRAs. Sandia Area Membership is required for all accounts.. 2: According to IRS.gov IRA contribution limits.
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