{"id":4782,"date":"2017-01-06T12:34:36","date_gmt":"2017-01-06T12:34:36","guid":{"rendered":"http:\/\/schadlerfinancial.com\/?page_id=4782"},"modified":"2024-08-28T05:30:37","modified_gmt":"2024-08-28T05:30:37","slug":"roth-401k-plans","status":"publish","type":"page","link":"https:\/\/ohiogrowthassociation.com\/?page_id=4782","title":{"rendered":"Roth 401(k) Plans"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4782\" class=\"elementor elementor-4782\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-73ea302b elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73ea302b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-58f0ebe6\" data-id=\"58f0ebe6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a2d2a00 elementor-widget elementor-widget-heading\" data-id=\"4a2d2a00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Roth 401(k) Plans<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-762d5464 elementor-widget elementor-widget-shortcode\" data-id=\"762d5464\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"ast-breadcrumbs-wrapper\">\n\t\t\t<div class=\"ast-breadcrumbs-inner\"><nav role=\"navigation\" aria-label=\"Breadcrumbs\" class=\"breadcrumb-trail breadcrumbs\" ><div class=\"ast-breadcrumbs\"><ul class=\"trail-items\" ><li  class=\"trail-item trail-end\"><span><a href=\"https:\/\/ohiogrowthassociation.com\" rel=\"home\"><span >Home<\/span><\/a><\/span><\/li><\/ul><\/div><\/nav><\/div>\n\t\t<\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-37359013 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"37359013\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5f8fdb5f elementor-invisible\" data-id=\"5f8fdb5f\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5001fc39 elementor-widget elementor-widget-heading\" data-id=\"5001fc39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Roth 401(k) Plans<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19cca08a elementor-widget elementor-widget-text-editor\" data-id=\"19cca08a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A new retirement account was signed into law on August 17, 2006. It is a component of a \u201cregular\u201d 401(k) Plan; however, the funding of a \u201cRoth\u201d 401(k) Plan is with <span style=\"text-decoration: underline;\"><span style=\"color: #ff0000; text-decoration: underline;\">after-tax<\/span><\/span> dollars. This is similar to the Roth IRA but with higher funding limits and no limit on earnings to contribute. Money contributed to a Roth 401(k) Plan <span style=\"text-decoration: underline; color: #818285;\">grows without tax<\/span> and is <span style=\"text-decoration: underline; color: #818285;\">distributed without tax<\/span>. For 2018, of which you have until April of 2019 to contribute, the funding limit is $18,500, or $24,500 if over the age of 50. The funding limits for 2019 contributions will be $19,000 and $25,000 if over age 50.<\/p><p><span style=\"text-decoration: underline; color: #000000;\">Ask yourself the following question<\/span>: Will you grow more wealth funding a Roth 401(k) in a non-deductible manner where the money grows then comes out income tax-free, or will you grow more wealth income-tax deferring money into a traditional 401(k) where the money withdrawn is <span style=\"text-decoration: underline; color: #ff0000;\">fully income taxable<\/span> at your current income tax bracket?<\/p><p><span style=\"text-decoration: underline; color: #000000;\">The answer is\u2026 it depends<\/span>. The real-world answer about Roth plans is that the vast majority of readers will in fact be better off using Roth Plans over traditional income tax-deferred plans.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d53544a elementor-widget elementor-widget-heading\" data-id=\"7d53544a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Who should use a Roth 401(k)?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d0d21b2 elementor-widget elementor-widget-text-editor\" data-id=\"6d0d21b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #000000;\">Anyone who will be retiring in the same or higher tax bracket.<\/span><\/p><p><span style=\"color: #000000;\">Anyone who will be retiring in a tax bracket within 10% of their current tax bracket.<\/span><\/p><p>For example, if you are in the 40% tax bracket and will retire in the 30% tax bracket, using a Roth Plan is still a better financial tool than using a traditional tax-deferred retirement plan.<\/p><p>If you would like to download a <a href=\"http:\/\/www.uploadedimages.net\/PDFs\/roth.vs.traditional.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">four-page summary<\/a> showing you the real-world math and why Roth 401(k) Plans are better than traditional tax-deferred plans, please <a href=\"http:\/\/www.uploadedimages.net\/PDFs\/roth.vs.traditional.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">click here<\/a>.<\/p><p>If you are a small business owner and do not have a Roth 401(k) Plan as an option in your business\u2019s qualified retirement plan, please <span style=\"text-decoration: underline;\"><span style=\"color: #818285; text-decoration: underline;\"><a href=\"https:\/\/johnd179.sg-host.com\/set-a-virtual-consultation\/\">sign up for a free consultation<\/a>.<\/span><\/span><\/p><p>Not only will we help you implement a plan, but we will look at all the various options to help you grow your wealth (like using a <span style=\"text-decoration: underline; color: #818285;\">guaranteed 7% guaranteed return<\/span> (accumulation value) product that will provide for you a <span style=\"text-decoration: underline; color: #818285;\">guaranteed lifetime income<\/span> you can never outlive). To learn more about this product, please <a href=\"https:\/\/johnd179.sg-host.com\/contact\/\">click here<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-40591a84 elementor-invisible\" data-id=\"40591a84\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7eb8b91 elementor-widget elementor-widget-template\" data-id=\"7eb8b91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"23893\" class=\"elementor elementor-23893\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-ad6f994 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ad6f994\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b0959eb elementor-invisible\" data-id=\"b0959eb\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0e8011c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0e8011c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7d23502\" data-id=\"7d23502\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eb26fe0 elementor-widget elementor-widget-heading\" data-id=\"eb26fe0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FINANCIAL LITERACY COURSE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-688264e elementor-widget elementor-widget-image\" data-id=\"688264e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" data-src=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2020\/08\/Financial-Literacy-Course-275.png\" width=\"275\" height=\"410\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" class=\"attachment-full size-full wp-image-7321 lazyload\" alt=\"\" \/><noscript><img decoding=\"async\" width=\"275\" height=\"410\" src=\"https:\/\/ohiogrowthassociation.com\/wp-content\/uploads\/2020\/08\/Financial-Literacy-Course-275.png\" class=\"attachment-full size-full wp-image-7321\" alt=\"\"><\/noscript>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-030e2c0 elementor-widget elementor-widget-heading\" data-id=\"030e2c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Education<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45cac5b elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"45cac5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;fas fa-caret-down\\&quot; aria-hidden=\\&quot;true\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-text e--animation-none\">\n\t\t\t\t<ul id=\"menu-1-45cac5b\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23545\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7319\" class=\"elementor-item menu-link\">Financial Literacy Course<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23543\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=23118\" class=\"elementor-item menu-link\">App Central<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23559\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6219\" class=\"elementor-item menu-link\">Tax-Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23548\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6271\" class=\"elementor-item menu-link\">IRAs and Roth IRAs<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23546\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7160\" class=\"elementor-item menu-link\">Fixed Indexed Annuities<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23547\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6195\" class=\"elementor-item menu-link\">Guaranteed Income for Life<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23549\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4904\" class=\"elementor-item menu-link\">Life Insurance Made Easy<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23553\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6756\" class=\"elementor-item menu-link\">Safe Money Tools<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23554\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4813\" class=\"elementor-item menu-link\">Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23556\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"elementor-item menu-link\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23557\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6197\" class=\"elementor-item menu-link\">Tax-Free Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24213\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=24200\" class=\"elementor-item menu-link\">Buy Sell Education<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-45cac5b\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23545\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7319\" class=\"elementor-item menu-link\" tabindex=\"-1\">Financial Literacy Course<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23543\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=23118\" class=\"elementor-item menu-link\" tabindex=\"-1\">App Central<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23559\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6219\" class=\"elementor-item menu-link\" tabindex=\"-1\">Tax-Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23548\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6271\" class=\"elementor-item menu-link\" tabindex=\"-1\">IRAs and Roth IRAs<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23546\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=7160\" class=\"elementor-item menu-link\" tabindex=\"-1\">Fixed Indexed Annuities<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23547\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6195\" class=\"elementor-item menu-link\" tabindex=\"-1\">Guaranteed Income for Life<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23549\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4904\" class=\"elementor-item menu-link\" tabindex=\"-1\">Life Insurance Made Easy<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23553\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6756\" class=\"elementor-item menu-link\" tabindex=\"-1\">Safe Money Tools<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23554\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4813\" class=\"elementor-item menu-link\" tabindex=\"-1\">Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23556\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"elementor-item menu-link\" tabindex=\"-1\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23557\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6197\" class=\"elementor-item menu-link\" tabindex=\"-1\">Tax-Free Retirement<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24213\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=24200\" class=\"elementor-item menu-link\" tabindex=\"-1\">Buy Sell Education<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-abfbbb8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"abfbbb8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-16a2920 elementor-invisible\" data-id=\"16a2920\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c0923c elementor-widget elementor-widget-heading\" data-id=\"5c0923c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qualified Retirement Plans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-058e169 elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"058e169\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;fas fa-caret-down\\&quot; aria-hidden=\\&quot;true\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-text e--animation-none\">\n\t\t\t\t<ul id=\"menu-1-058e169\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4975\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4786\" class=\"elementor-item menu-link\">401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4978\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4782\" class=\"elementor-item menu-link\">Roth 401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4979\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"elementor-item menu-link\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4974\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4723\" class=\"elementor-item menu-link\">401(h) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4973\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4771\" class=\"elementor-item menu-link\">412(e)3 Defined Benefit Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4977\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4775\" class=\"elementor-item menu-link\">Defined Benefit Plans<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-058e169\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4975\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4786\" class=\"elementor-item menu-link\" tabindex=\"-1\">401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4978\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4782\" class=\"elementor-item menu-link\" tabindex=\"-1\">Roth 401(k) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4979\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4859\" class=\"elementor-item menu-link\" tabindex=\"-1\">Roth IRA Conversions<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4974\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4723\" class=\"elementor-item menu-link\" tabindex=\"-1\">401(h) Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4973\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4771\" class=\"elementor-item menu-link\" tabindex=\"-1\">412(e)3 Defined Benefit Plans<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4977\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4775\" class=\"elementor-item menu-link\" tabindex=\"-1\">Defined Benefit Plans<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-24aa642 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24aa642\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-20a1d38 elementor-invisible\" data-id=\"20a1d38\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67f29cc elementor-widget elementor-widget-heading\" data-id=\"67f29cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Long-Term Care<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2eb020d elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"2eb020d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;fas fa-caret-down\\&quot; aria-hidden=\\&quot;true\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-text e--animation-none\">\n\t\t\t\t<ul id=\"menu-1-2eb020d\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23869\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4888\" class=\"elementor-item menu-link\">Medicaid Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23868\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6203\" class=\"elementor-item menu-link\">Long-Term Care Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23867\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4907\" class=\"elementor-item menu-link\">Long-Term Care Insurance<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-2eb020d\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23869\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4888\" class=\"elementor-item menu-link\" tabindex=\"-1\">Medicaid Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23868\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=6203\" class=\"elementor-item menu-link\" tabindex=\"-1\">Long-Term Care Planning<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23867\"><a href=\"https:\/\/ohiogrowthassociation.com\/?page_id=4907\" class=\"elementor-item menu-link\" tabindex=\"-1\">Long-Term Care Insurance<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Roth 401(k) Plans Roth 401(k) Plans A new retirement account was signed into law on August 17, 2006. It is a component of a \u201cregular\u201d 401(k) Plan; however, the funding of a \u201cRoth\u201d 401(k) Plan is with after-tax dollars. This is similar to the Roth IRA but with higher funding limits and no limit on [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-4782","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/pages\/4782","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4782"}],"version-history":[{"count":0,"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=\/wp\/v2\/pages\/4782\/revisions"}],"wp:attachment":[{"href":"https:\/\/ohiogrowthassociation.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4782"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}