Traditional or Roth? You choose.
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Show and tell: Traditional or Roth IRA


Dear Reader:

Have you asked yourself: Traditional or Roth?

The traditional IRA may be a better alternative for:

a.. Investors who expect to be in a lower tax bracket when they
retire.
The benefits may include an immediate tax break because
contributions are deductible. In addition, your clients might pay less in income
taxes in the future than they would pay now on amounts contributed to a Roth
IRA. These clients might be older individuals who are nearing retirement and
have modest retirement assets set aside.

a.. Investors with current financial constraints who could benefit
from an immediate tax deduction.
b.. Investors who were not previously eligible for a deduction
because they or their spouses were covered by an employer-sponsored retirement
plan.
The Roth IRA may be a better alternative for...

a.. Investors who expect to be in a higher tax bracket when they
retire.
The after-tax contributions of a Roth IRA may provide a larger nest
egg, because earnings are tax-free. This may benefit young professionals who are
likely to earn and save a lot for retirement. Again, age can be a deciding
factor. The longer an account has to accumulate, the more sense a Roth IRA
makes.

a.. Investors who expect to be in the same tax bracket when they
begin to make withdrawals as they are now.
Assuming the account continues to grow over time, your clients will
pay less tax now on contributions than on a larger account value in the future.

a.. Many middle income and upper income taxpayers who could not
make deductible IRA contributions because they are covered by company retirement
plans.
b.. Investors who already have traditional IRAs, but expect to
remain in high income-tax brackets after retirement might benefit from a
conversion to a Roth IRA.
Your time is greatly appreciated. To contact an advisor give us a
call toll-free at 1.877.369.1889 or visit http://www.freedomtreefinancial.com
TODAY!!!

With All Best Wishes

Your team at The FreedomTree Financial Group
info@...
The FreedomTree Financial Group
Toll-free 1.877.369.1889
Local 770 369 1889
Fax ..810 885 6979































Mutual funds, variable annuities and variable life products may be offered
only to persons in the United States and by way of a prospectus. This website
should not be considered a solicitation or offering of any investment products
or services to investors residing outside of the United States.

Financial advisor of and securities offered through FreedomTree Asset
Management, A Registered Investment Advisor. Mortgages and lending services
offered through FreedomTree Mortgage & Lending, An Equal Opportunity lender.

FreedomTree Asset Management, FreedomTree Mortgage and Lending, and
FreedomTree Financial are fully owned by The FreedomTree Financial Group of
Spence-Lingo & Company, Ltd.

Toll-free 1.877.369.1889
www.FreedomTreeFinancial.com

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YFX253 (5/2007)



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