1. Multiple “Partitions”… This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at http://www.StrategicAffluence.com Your Strategic Affluence 401k contains both Traditional and Roth “partitions”. This means that your salary deferral contributions can be handled as either traditional or Roth contributions.

2. Multiple “Partitions”… This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at http://www.StrategicAffluence.com But what is the real difference between a “Traditional” and a “Roth” contribution?

3. Traditional Contributions This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at http://www.StrategicAffluence.com Generally speaking, “Traditional” contributions allow for an immediate tax deduction in the amount contributed.

4. Traditional Contributions This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at http://www.StrategicAffluence.com The taxes on all profits generated in a Traditional account will be deferred until you make withdrawals during retirement, at which time you’ll be taxed on those profits at regular income tax rates.

5. Roth Contributions This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at http://www.StrategicAffluence.com Generally speaking, “Roth” contributions do not allow for any immediate tax deduction. However, you’ll never be required to pay income/capital gains taxes on the profits generated subsequent to withdrawal during retirement.

6. Roth Contributions This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at http://www.StrategicAffluence.com Unlike Roth IRAs, you can contribute to the Roth side of your Strategic Affluence 401k without any income restrictions.

7. Traditional vs. Roth This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at http://www.StrategicAffluence.com You can also choose to contribute some of your funds to each partition of your plan. The right choice for you is best determined by your own financial advisor.

8. Traditional vs. Roth This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at http://www.StrategicAffluence.com The important lesson here is this: Your Strategic Affluence 401k is designed to accommodate both traditional and Roth contributions…

9. Traditional vs. Roth This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at http://www.StrategicAffluence.com …the distinction is a bookkeeping matter, so be sure to have your tax professional keep good records to distinguish how your funds are being contributed, managed and withdrawn.