What are some potential advantages of opening a Roth IRA?

• Contributions are allowed at any age.
• Qualified distributions are tax-free.
• Participants over 50 have expanded contribution limits.
• No required withdrawals at age 70½.
• Assets can be invested in a wide variety of our Funds — including MyDestination Funds^®.
• Contributions can be made for spouses, even if they have no income.

Who is eligible to contribute?

• Individuals with a “single” tax status and a modified adjusted gross income (MAGI) below $120,000 (max contribution amounts are reduced for a MAGI over $105,000).*
• Couples with a “married filing jointly” tax status and a modified adjusted gross income (MAGI) below $176,000 (max contribution amounts are reduced for a MAGI over $166,000).*

How much can I contribute to my Roth IRA?

• If you’re under 50, you can contribute up to $5,000 annually.*
• If you’re 50 or better, you can contribute up to $6,000 annually.*

What are the potential limitations on withdrawals?

A Roth IRA differs from a Traditional IRA in that you may withdraw your contributions at any time. However, to avoid penalties and taxes on the withdrawal of earnings, you must own the Roth IRA for at least five years and make a withdrawal for one of the following reasons:

• You are 59½ or older.
• First-time home purchase expenses to buy or build a first home for yourself, your parents, children or grandchildren ($10,000 lifetime maximum).
• Death or disability. If the above-referenced reasons do not apply, you may avoid the 10% penalty, but taxes on earnings will apply if you withdraw funds for the following reasons:
• Higher education expenses for yourself or your immediate family members.
• Certain medical expenses.
• Withdrawals made in equal installments over the account holder’s life expectancy.

Income limits for Roth IRA conversions.

Modified adjusted gross income limitations were removed this year, and will remain removed for   the future on Roth IRA conversions. This means that many investors who were formerly ineligible   to convert a tax-deferred account or Traditional IRA to a Roth IRA may now be eligible. To do so,   you will need to pay taxes on any deductible contributions and earnings. There is a special rule   in place for 2010 only that will allow you to split the tax liability on a conversion equally between   the next two tax years (2011 and 2012). Contact GuideStone for more information if you’re   interested in converting to a Roth IRA.

Enroll now 

For answers to any other questions about opening a GuideStone RightChoice IRA™, we’re available to answer your calls at 1-888-98-GUIDE (1-888-984-8433) between 7 a.m. and 6 p.m. CST Monday–Friday. You can also e-mail us at your convenience.

*Or your annual household income, whichever is less. Based on 2009 contribution limits.

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IRAs made available through GuideStone Financial Services, member FINRA.