Roth is a powerful type of qualified retirement account that, when utilized, can help you save for retirement, provide greater tax diversification when investing, and create more tax-free wealth over the long term for you and your heirs. Executive Summary Roth IRA accounts offer tax-free growth and withdrawals in retirement. Contributions are made with after-tax dollars, allowing tax-free earnings. Withdrawals of contributions are always penalty- and tax-free. Earnings withdr