A Roth IRA is one of the best, yet rarely utilized retirement savings vehicles available to us. They act inversely to a traditional IRA. That is; money goes in after-tax, grows tax-deferred, and is completely tax free when it is used as income. Being able to draw retirement income from a tax-free pot can drastically lower your tax liability in retirement, which could also serve to make your Social Security payments tax-free, as well. Our retirement planners are experts on minimizing your tax liability today, as well as in retirement.