Stephanie Marini, CFP®, CRPC®

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172 appearances 1 recordings 1 series first heard Apr 2026 last heard 4 Apr

Stephanie Marini, CFP®, CRPC®’s voice in public audio — every appearance, attributed to the second.

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Motley Fool Hidden Gems Investing · Which Types of Investments Should You Own and Where Should You Own Them · 4 Apr 2026 podcast

I do think that in terms of being different from an employer sponsored plan, the lower limitation, lower contribution limits does make it a little bit difficult, though.

So I think a big question is whether or not you believe you are gonna be in a higher tax bracket right now or in the future.

And that could be two part, where you think tax brackets will go in the future and how they will be adjusted, but also what your earnings are and how you think that will be affected.

And so you mentioned contribution limits.

It's something to be mindful of.

An individual might not be eligible to invest in a Roth if they are above those contribution limits.

And so that's the first thing to take into account.

And then I would say the second thing is because of Roth, the withdrawals are not taxed because funds have already been taxed.

The money that you put in is already taxed.

When you take those withdrawals, they are not taxed.

The question decides when do you want to pay the tax?

Now while you're still working or later when you're in retirement?

So, you know, I've had clients go both ways trying to predict different things.

I will say I think the best option is to have a little bit in every bucket so that you can play with those levers in retirement.

Well, I think the question then becomes, is it a traditional or Roth IRA?

Specifically for the Roth IRAs, again, because the funds are post-tax and they won't ever be subject to RMDs or taxes upon the withdrawal, I would say your highest growth potential asset should go in Roth.

So things you plan on keeping forever, those high, if you're going to invest in individual stocks, any type of high growth, that could be a perfect option for a Roth IRA.

in terms of individual IRAs, because again, you're more, it will be subject to RMDs.

I think that you do have access to the full market.

So sticking with your overall asset allocation, the world is your oyster for that.

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