Roth IRA Explained: Grow & Withdraw Tax-Free | Beginner's Complete Guide (2026)

What if your retirement savings could grow completely tax-free — and you paid zero taxes when you took the money out?
That's exactly how a Roth IRA works. In this video, I break down everything you need to know as a beginner: how it works, who qualifies, contribution limits, and the strategies that can make a real difference — whether you're just starting out or already thinking about your legacy.

📌 What we cover:
The origin of the Roth IRA and why it was created
How Roth contributions differ from traditional IRA & 401(k)
2026 contribution limits and income phase-outs
Roth conversions — when they make sense (and when they don't)
The backdoor Roth IRA strategy for high earners
Why the Roth IRA works at ANY age
Inherited Roth IRAs and the 10-Year Rule

💡 Whether you're 25 or 60, there's a Roth strategy that could work for you.
Have questions or want me to do a deep dive on conversions, backdoor Roth, or Roth 401(k)s? Email me at Stephen@jonesfinancialpartners.com — I read every one.

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This video is for educational purposes only and is not financial advice. Consult a qualified financial advisor before making any financial decisions.

Stephen C. Jones, AAMS, CFP® | President & Financial Planner | Jones Financial Partners | 405.366.1297 | 717 Wall St., Norman, OK 73069

Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.
Limitations and Early Withdrawals: Some IRA's have contribution limitations and tax consequences for early withdrawals. For complete details, consult your tax advisor or attorney. Retirement Plans:
Distributions from traditional IRA's and employer sponsored retirement plans are taxed as ordinary income and, if taken prior to reaching age 59 2, may be subject to an additional 10% IRS tax penalty. Roth IRA: Converting from a traditional IRA to a Roth IRA is a taxable event. A Roth IRA offers tax free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal or earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59½ or due to death, disability, or a first time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Wealth Services LLC nor any of its representatives may give legal or tax advice.

Видео Roth IRA Explained: Grow & Withdraw Tax-Free | Beginner's Complete Guide (2026) канала Stephen C. Jones, CFP®