Sustainable Civilization: From the Grass Roots Up Estate and Financial Planning - Providing Assets for the Future - 2 - 3 - 4 - 5 - 6 - 7 - 8 FINANCIAL PLANNING INDIVIDUAL RETIREMENT ACCOUNT "OPTIMIZED" The U.S. Internal Revenue Code provides two versions of what may be a significant means available to help you prepare for retirement. I am referring to "Individual Retirement Accounts" (IRA's). The IRS refers to the two versions as Traditional, and ROTH. Each has annual limits on deposits, withdrawal requirements, etc. If you want to read the complete details regarding either version, I'll refer you to IRS Publication 590. In this update, I just want to briefly touch on the taxable difference of the accounts, and then set out a concept for investing your IRA that provides the greatest possi