Dear Client,
As part of our ongoing commitment to helping you build, protect, and preserve your wealth, we want to remind you of an important upcoming opportunity.
🗓 April 15, 2026 Deadline for 2025 Roth IRA Contributions
You may still make prior‑year Roth IRA contributions for the 2025 tax year up until April 15, 2026. This window allows you to maximize tax‑advantaged savings even after the calendar year has ended.
🌴 Why Consider Funding Your Roth IRA for 2025?
A Roth IRA remains one of the most powerful long‑term planning tools—especially for high‑income earners focused on tax‑free growth and multigenerational wealth.
Key benefits include:
- Tax‑free growth on qualified withdrawals
- No required minimum distributions (RMDs) during your lifetime
- Flexible legacy planning, allowing tax‑free assets to pass to heirs
- Diversification of tax exposure, balancing taxable, tax‑deferred, and tax‑free accounts
💰 2025 Contribution Limits
- Under age 50: $7,000
- Age 50 or older: $8,000 (includes $1,000 catch‑up contribution)
If you’d like to confirm eligibility, coordinate a backdoor Roth strategy, or ensure contributions align with your broader wealth plan, our team is here to guide you.
If you are not sure if you have maximized your contributions, please email tax@tortugafinancial.com.
Warm regards,
Mike