A. Roberts & Associates, Inc.

12/05/2025

Thinking about moving pre-tax money to a Roth IRA? The newest Roth conversion rules can open the door to more tax-free growth—but they also come with important tax implications today and down the road for RMDs and your future tax bracket.

At A. Roberts & Associates, we help you:
• Understand the latest Roth conversion rules
• Run the numbers before you convert
• Balance today’s tax bill with tomorrow’s retirement freedom

Curious if a Roth conversion makes sense for you this year? Let’s review your situation and build a plan around your tax picture, not generic rules.
#ʀᴏᴛʜɪʀᴀ

12/03/2025

Finding the sweet spot 🎯
How much of your TSP should you convert to a Roth IRA so it actually makes tax sense—without pushing you into higher RMDs or tax brackets later?

At A. Roberts & Associates, we help you balance:
✅ Strategic Roth conversions
✅ Keeping some assets Traditional
✅ Managing future RMDs & taxes

Smart moves now = more control later. 💼✨

11/11/2025

Today we pause to honor the brave men and women who have served our country with courage, dedication, and sacrifice.

To all veterans — thank you for protecting our freedoms and strengthening our communities. Your service inspires us every day 🇺🇸

Happy Veterans Day

11/10/2025

Ready to take your advisory career to the next level?
A Roberts & Associates empowers advisors to grow, lead, and make a lasting impact. If you or someone you know fits this description, feel free to reach out to a member of our team today!

Tony Roberts Recruitment Video description: As we continue to grow, we are looking to build our team at A. Roberts & Associates. We are looking for a new Fin...

10/27/2025

ESTATE TAX💡
Among many tax changes, the law raises and “makes permanent” the federal estate, gift, and GST (generation-skipping) tax exemptions to $15,000,000 per person effective January 1, 2026, indexed for inflation thereafter.
The top rate remains 40%; portability, step-up in basis, and the unified system (estate = gift = GST) are unchanged.

💯 A surviving spouse can still “port” a deceased spouse’s unused exemption (DSUE) by filing Form 706. If the estate wasn’t otherwise required to file, late portability relief is available for up to 5 years from date of death under Rev. Proc. 2022-32 (referenced in the 09/2025 Form 706 instructions).

💯 Step-up in basis unchanged
Heirs generally receive a basis step-up to fair market value at death, which can reduce future capital-gains on inherited assets.

Stay tuned in for new weekly podcast content! https://www.youtube.com/

10/20/2025

Taxation realities🎯
Even without a formal wealth tax, wealthy individuals often face different tax burdens via capital gains taxes, estate/inheritance taxes, property taxes, etc.
o Tax policy is one lever among many (spending, regulation, monetary policy) that affect how wealth is accumulated, how income is taxed, and how resources are distributed.

Link with national debt: If the government needs more revenue (to pay interest, fund services, reduce debt), taxation becomes more important. That could mean higher taxes on income, consumption, property, or even wealth (depending on the policy choices). Because wealth is concentrated, the debate often centers on whether the wealthy should pay more.

10/13/2025

Money Masters: Anthony Roberts
Decades of experience, one mission: helping families build wealth that lasts generations.

Look inside at edition of Anthony's retirement philosophy and his award-winning firm's approach to planning the future you deserve.

Confidence. Clarity. Legacy. That's retirement planning done right.

10/06/2025

💡 Smart Way to Build Tax-Free Wealth for Retirement

Most people only think of retirement savings in terms of a 401(k) or IRA. But there’s another powerful tool the wealthy have quietly used for decades: Cash Value Life Insurance.

Here’s why it’s smart:
🔹 Tax-advantaged growth – your money compounds without yearly taxes dragging it down.
🔹 Tax-free access – properly structured, you can borrow against the cash value in retirement without triggering taxes.
🔹 Protection + wealth – it doubles as life insurance, protecting your family while you build wealth.
🔹 No contribution limits – unlike IRAs or 401(k)s, you can design larger contributions.

📈 The result? A flexible pool of tax-free retirement income that also provides peace of mind.

The wealthy don’t just save — they strategize for taxes.

👉 Curious if this fits into your retirement plan? Let’s talk.

10/01/2025

https://www.youtube.com/watch?v=mBDq7Fydt04
Click and subscribe to our YouTube Channel. Follow along every week for updates and new hot topics in today's wealth management market.

In this episode of the Abundant Retirement Podcast, Tony Roberts of A Roberts Associates explores two powerful tools for generating tax-free income in retire...

10/01/2025

💡 Tax-Free Income in Retirement? Yes, it’s possible.

Most people think all retirement income is taxable—but with the right planning, you can create streams of tax-free income. Two powerful tools:

🔹 Roth IRA – Contribute after-tax dollars today, grow tax-free, and withdraw in retirement with no taxes owed (if rules are followed).
🔹 Cash Value Life Insurance – Properly structured, it can give you tax-advantaged access to funds while still protecting your family.

✅ Build wealth without Uncle Sam taking a bigger bite later.
✅ Diversify where your retirement income will come from.
✅ Keep more of what you’ve worked so hard to earn.

The wealthy don’t just invest—they strategize for taxes. You can too.

👉 Curious how this fits into your plan? Let’s chat.

09/29/2025

💡 The growth difference:

• With a Traditional 401(k), you might see a larger balance at retirement—but you don’t really own all of it, since a portion is earmarked for taxes.

• With a Roth 401(k), the balance you see is the balance you keep.

📊 Strategy tip: Many people blend both—hedging against future tax uncertainty by contributing to both Traditional and Roth.

👉 Your retirement isn’t just about growth—it’s about how much you actually keep after taxes.

09/15/2025

🚨 What if your employer lets you go?
Job security isn’t guaranteed — but your future can be. Whether you choose to keep working or take a different path, having your retirement funds in place gives you options, not panic.

✅ Be ready.
✅ Stay in control.
✅ Let A Roberts & Associates help you build a retirement safety net that works — even if your job doesn’t.