The #1 Roth IRA Mistake That's Costing You Thousands 🤔

🚨 The #1 Roth IRA Mistake That's Costing You Thousands in Tax-Free Growth
Are you being too conservative with your Roth IRA investments? In this video, financial advisor Dustin Tibbits from Jazz Wealth Managers reveals the biggest mistake he sees investors make with their Roth IRAs - and it could be costing you serious money.
🎯 What You'll Learn:

Why being conservative in your Roth IRA doesn't make sense
The performance difference between conservative vs. aggressive portfolios (hint: it's 66%!)
Why your Roth IRA should be your most aggressive account
Common mistakes like keeping cash too long and treating all accounts the same
When to consider Roth conversions and why timing matters
The truth about early distributions and the 5-year rule myth

📊 Key Stats Covered:

2025 Roth IRA contribution limit: $7,000
Conservative portfolio average return: 5.78%
Aggressive portfolio average return: 9.62%
66% of IRA contributions now go to Roth accounts

💡 Pro Tips:
✅ Invest your Roth IRA contributions immediately
✅ Be more aggressive since growth is tax-free
✅ Consider Roth conversions when income drops
✅ Plan for long-term growth, not short-term safety
🏆 About Jazz Wealth Managers:
Ranked #36 best financial advisor in the United States by USA Today, specializing in helping pre-net worth clients maximize their investment strategies.

Jazz Wealth Managers helps individuals and families achieve financial security through retirement planning and investing strategies. Our videos offer actionable guidance on navigating Roth IRA's, 401ks, IRAs, Social Security, and more. Whether you're approaching retirement or just getting started, learn how to make informed financial decisions for a prosperous future. Subscribe for more!
#retirement #retirementplanning #dohstr8
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Jazz Wealth Advisors was recently ranked #36 among financial advisors in the USA by USA Today (Financial Pros) as of April 2025. This ranking was published on 04/22/2025 and was prepared by the Financial Pros without any compensation paid by Jazz Wealth Advisors. The ranking is based on advisors with an AUM of up to $500M. Rankings and recognition from rating services are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance. For more information about the methodology used in this ranking and other important disclosures, please visit USAToday.com. Jazz Wealth Advisors is a registered fiduciary investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.

⏰ TIMESTAMPS:
00:00 - Roth IRA Investment Mistakes Introduction
00:15 - #1 Roth IRA Mistake: Being Too Conservative
00:40 - Why Conservative Roth IRA Strategy Fails
01:19 - Tax Efficiency: Roth IRA vs Traditional IRA
01:43 - S&P 500 Performance: Conservative vs Aggressive Portfolios
02:08 - 66% Return Difference: Conservative vs Aggressive Investing
02:29 - $7,000 Roth IRA Growth Comparison Example
02:53 - Best Time to Invest Roth IRA Contributions
03:11 - Market Timing Mistakes with Roth IRA Investments
03:26 - Asset Allocation Strategy: Don't Treat All Accounts the Same
03:55 - Roth Conversion Strategy When Income Changes
04:13 - Roth Conversion Mistakes: Overdoing Conversions
04:34 - Early Roth IRA Withdrawal Rules Explained
04:53 - Roth IRA 5-Year Rule Myth Debunked
05:11 - Age-Based Asset Allocation: 20s, 30s, 40s Strategy
05:36 - Traditional Asset Allocation Problems
05:55 - Roth IRA Growth Strategy: Avoid Dividend Stocks
06:10 - Dollar Cost Averaging vs Lump Sum Roth IRA Investing
06:26 - Roth IRA Income Limits and Conversion Opportunities
06:40 - Roth IRA Withdrawal Strategy in Retirement
07:00 - Long-Term Roth IRA Growth Planning
07:14 - Jazz Wealth Managers: Top-Ranked Financial Advisors