Why a Roth May Not Be Ideal for Real Estate Investors—And When It Is

For real estate professionals (or even business owners), traditional advice on retirement savings often falls short of expectations. While Roth IRAs are celebrated for tax-free growth, going "Roth-first" ignores the massive tax-sheltering power of real estate losses. Instead, combining traditional retirement contributions with Roth conversions during loss years delivers a triple tax benefit and long-term wealth leverage.