Thrive Financial

Feeling behind on retirement or investing? You’re not alone.

This is for you if…

• You’re unsure what’s in your 401(k) or old accounts
• You don’t know if Roth vs. Traditional is right for you
• You’re self-employed or don’t have a workplace plan
• Investing feels overwhelming or easy to avoid
• You’re a stay-at-home parent without your own retirement savings

Not later. Now is the time to start.

Here’s how it works:
1️⃣ DM us “START” + your email
2️⃣ 45-minute Zoom call with Allison
3️⃣ Answers to your biggest investing questions
4️⃣ Clear, compassionate next steps + follow-up summary

No judgment. No pressure. Just clarity and support.

Swipe through to see who this is for, how we help, what we won’t do, and your next step.

Let’s make this simple.

When people hear “Roth vs. Traditional,” they immediately think it’s complicated. It doesn’t have to be.

Here’s the practical difference:

Traditional IRA:
You may get a tax deduction today. The money grows tax-deferred. You pay taxes later when you withdraw it.

Roth IRA:
You don’t get a tax break today. The money grows tax-free. You don’t pay taxes on qualified withdrawals later.

But here’s what actually matters more than “taxes in the future.”

Who is generally a great fit for a Roth?

A Roth IRA often makes the most sense if:
• You’re early in your career
• You’re earning less than about $80,000–$90,000 as a single filer (or under roughly $160,000–$180,000 married filing jointly)
• You expect your income to grow over time
• You’re in a lower tax bracket right now
• You want flexibility (Roth contributions can be withdrawn without penalty if needed)

Why?

Because when you’re in a lower income phase of life, your tax rate is usually lower too. Paying taxes now (at a potentially lower rate) can be very reasonable compared to waiting until your income (and possibly tax bracket) increases.

Roth IRAs also work especially well for:
• Self-employed individuals in early growth years
• Stay-at-home parents contributing through a spousal IRA
• People who don’t have a workplace retirement plan
• Anyone who values tax-free growth and flexibility

That doesn’t mean Traditional is wrong. It just means your income level and stage of life matter more than most people realize.

Retirement accounts aren’t about picking what sounds smarter.
They’re about choosing what fits your current reality.

There are a lot of different titles in the financial world, and it’s not always clear what they mean.

You might hear terms like financial coach, advisor, planner, or insurance professional used interchangeably.

In reality, these roles can focus on different areas of someone’s financial life.

• A financial coach often focuses on habits, behaviors, and money mindset
• An advisor may focus on investment management
• An insurance professional focuses on risk protection and coverage
• A financial planner typically looks at how all of these pieces work together

None of these roles are inherently “better” than another.
The most important thing is finding support that aligns with your goals, needs, and preferences.

Education and clarity help people make more confident decisions, no matter which path they choose.

Understanding these differences can make it easier to ask informed questions when seeking financial guidance.