Synopsis
IMAGINE HAVING AN INCOME TAX-FREE RETIREMENT INCOME
Its possible with a Roth IRA or Roth 401(k) account!
In this compact explanation, Michael Gray, CPA gives the highlights of what you need to know to build a big, tax-deferred or tax-free retirement account and get the maximum benefits from it.
- How do the advantages and disadvantages of a Roth account compare to those of an IRA account?
- How can you use a rollover from a 401(k) or other employee retirement account to create a big Roth or IRA account?
- Many people have become disenchanted with the stock market. How can you use a self-directed Roth or IRA account to make alternative investments, such as in real estate or private mortgages?
- What are the prohibited transactions that can result in disqualification (treated as instant distribution) of your Roth or IRA account?
- When can a Roth or IRA be required to pay income taxes? Should you go ahead with an investment that generates income taxes for the Roth or IRA anyway?
And much more!
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À propos de l'auteur
Michael C. Gray founded his CPA firm, Michael Gray, CPA October 1, 1996. The firm is located in San Jose, California. He has continuously worked in public accounting since June, 1974. He also is host of Financial Insider Weekly (financialinsiderweekly.com) a television show broadcast on public television stations in the San Francisco bay area and as streaming video online.
He currently writes three free email newsletters Michael Gray, CPAs Option Alert, Michael Gray, CPA s Tax and Business Insight, and Michael Gray, CPA s Real Estate Tax Letter.
Mike is also the author of Secrets of Tax Planning for Employee Stock Options, 2009 Edition, How to use Roth and IRA accounts to provide a secure retirement, 2012 Edition, and Real Estate Tax Handbook, 2008 Edition. He has also given presentations and written many articles on tax subjects.
Mike has been a CPA in California since March, 1977. He received his BS in accounting and MBA at San Jose State University in June, 1974 and June, 1978, respectively. He is a past president of the Silicon Valley San Jose CPAs, past chairman of the tax committee for the Silicon Valley San Jose CPAs and past member of the state tax committee for the California CPAs. He is also a member of the Santa Clara County Estate Planning Council, has been involved with the Executive Planning Committee of the Tax Section for the Santa Clara County Bar Association and is a lay member of the Silicon Valley Bar Association.
An article about the Web Site for Michael Gray, CPA appeared in the October, 1997 Journal of Accountancy. KNTV News also featured a story on his Web Site in the Technology section of the Six O Clock News. He was also interviewed by KRON News about offshore outsourcing of tax return preparation services. He has also been interviewed on many radio shows about common tax planning and tax reporting mistakes. Mike has been quoted in The San Jose Mercury News, The San Francisco Chronicle, The Wall Street Journal, and The New York Times. He also contributes tax articles to The Scrivener newsletter of the Silicon Valley Bar Association.
Mike's personal interests include the study of martial arts. He received his black belt from West Coast Tae Kwon Do in May, 1996. He and studied American Kenpo.
Mike has appeared as a member of the cast of South Pacific with the West Valley Light Opera, which was performed during November and early December, 1997. He received a director s award, called the Captain s Cape, as the outstanding chorus member. He also appeared in the West Valley Light Opera production of Carousel during October and November, 1998 and was the voice of Florenz Ziegfeld in Will Rogers Follies during June and July, 2000.
Mike lives in San Jose, California with his wife, Janet. They have been married 41 years. Mike and Janet have three adult children and four grandchildren.
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