Elena Rostova, ChFC®
Wealth Advisory Columnist
Elena Rostova, ChFC®
Wealth Advisory Columnist at RothIRACalculator.us
Elena is a Chartered Financial Consultant who specializes in retirement transition strategy. She spends her time helping clients navigate the complex rules of early withdrawals, the IRS five-year rules, and tax diversification between traditional and Roth assets.
Articles written by Elena Rostova (8)
Roth IRA Early Withdrawal Penalty: How to Calculate and Avoid Fees
Determine when you can withdraw contributions or earnings, how to calculate early withdrawal penalties, and which IRS exceptions bypass taxes and fees.
The Roth 5-Year Rule: What It Really Means
There are actually two 5-year rules. Get them wrong and your 'tax-free' withdrawal becomes taxable.
Avoiding the 10% Early Withdrawal Penalty
Roth contributions are always penalty-free — but earnings are a different story.
What Is a 'Qualified' Roth Distribution?
Only qualified distributions are fully tax-free. Here's the IRS definition.
Why Roth IRAs Have No Required Minimum Distributions
Unlike Traditional IRAs, your Roth can grow untouched for life — and pass to heirs tax-free.
Using Your Roth IRA to Buy Your First Home
The IRS lets first-time buyers pull $10,000 of Roth earnings penalty-free.
Inherited Roth IRAs: The 10-Year Rule Explained
Beneficiaries get tax-free withdrawals — but the SECURE Act changed the timeline.
Roth IRA Withdrawal Ordering Rules (and Why They Favor You)
The IRS makes Roth withdrawals come out in a tax-friendly order — automatically.
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