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"You control the money," said Ed Slott, founder of IRAhelp.com."You don't have to work for a company

Slott explains, “With a Roth IRA, the tax is paid up front (because you don’t receive a tax deduction) and the withdrawals in retirement can be tax-free.With a traditional IRA, you can get a tax deduction when the contribution is made, but every dollar earned will be taxed when it is distributed.”

Required minimum distributions can be confusing.Here are smart ways to go about it.

Required minimum distributions can be confusing.Here are smart ways to go about it.