Sozinho brokerage services inc.

License # 0K56246

DBA: SOZINHO INSURANCE SERVICES

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A Roth IRA is an Individual Retirement Account to which you make contributions with after-tax dollars. The benefits of a Roth IRA are that your contributions can grow tax-free and you can generally make withdrawals tax- and penalty-free after you reach age 59½.

When you are leaving a job where you have contributed to a 401(k) plan, you have three options:

cash out your 401(k)
keep it in your current plan
or move it to another qualified retirement account.

A qualified retirement account could be your new employer’s 401(k) plan, a Traditional IRA, or a Roth IRA.

The movement of your 401(k) to this account is called a rollover.

If you are facing this decision, consider performing a 401(k) rollover to IRA to take advantage of the opportunity to grow your account in a safe money vehicle, market like growth and an opportunity to turn on a guaranteed income stream in retirement. Sozinho Insurance & Associates take pride in being a Rollover specialist working with accounts that insure your principle against any unforseen risk. After 59 1/2, qualified accounts will allow you to withdraw money without a penalty. All withdrawals from 401K and traditional IRA’s are a taxable event, as these accounts have not been taxed yet. Roth IRA’s are excluded from Required Minimum Distributions as well as ALL withdrawals are tax free.

An IRA is an Individual Retirement Account in which you make contributions toward your future financial security. The amount you put in is flexible, so you may contribute whenever and in whatever amounts you so desire per IRS guidelines. The two most important features for establishing an IRA are:


Tax-deductible contributions
Tax-deferred earnings


Roth IRA









Traditional & Roth IRA's







401(k), 403(b) and SARSEPs





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