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Roth IRAs

An individual retirement account that is funded with amounts that have already bene taxed. Earnings grow tax-deferred and qualified distributions are tax-free.

Disclosure statement

Definition A document provided to participants, explaining certain provisions in non-technical terms. For IRAs, each participant must be provided with a disclosure statement , which

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Direct conversion

Definition A Roth Conversion that occurs directly between the delivering retirement account and receiving Roth IRA. The delivering account can be either of the following:

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Determination letter

Definition A letter issued by the IRS to a plan sponsor, indicating whether the IRS has determined that a retirement plan is qualified. Form 5300

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