- Mercer Advisors, Formerly Epstein & White

Differences Between Traditional and Roth IRA

When it comes to planning for retirement, Individual Retirement Accounts (IRAs) are a popular investment option. There are two main types of IRAs: traditional and Roth. Both have their own distinct features, advantages, and drawbacks. In this article, we will explore the key differences between a traditional and a Roth IRA. Tax Treatment One of the main differences between a traditional and a Roth IRA is the way they are taxed. Traditional IRA Contributions to a [...]

How Lower Interest Rates Could Impact Your Money

The Federal Reserve recently announced their decision to lower interest rates, marking a significant shift in monetary policy. This change could have far-reaching implications—namely to your retirement finances if you rely on interest-earning accounts like money market accounts, CDs, and savings accounts.[1] The Impact on Interest-Earning Accounts Interest-earning accounts, known for their stability and, of late, their relatively higher yields, may soon see a decrease in their returns. As the Fed cuts rates, financial institutions that [...]

Investing

Differences Between Traditional and Roth IRA

How Lower Interest Rates Could Impact Your Money