Do you want to help lower your taxes and increase your retirement savings? A Roth IRA, with its tax-free growth potential and tax-free withdrawals for you and your heirs, is a way you may be able to do just that (as long as certain requirements are met). 1 But those are just a few of the many benefits of a Roth IRA. "We believe that most people should consider a Roth IRA,” says Ken Hevert, vice president of retirement products at Fidelity. “And that’s either by contributing to one or converting to one. Besides tax-free withdrawals, a Roth IRA also offers flexibility, doesn’t require distributions when you reach a certain age, and can benefit your heirs." Before we delve into nine key reasons to consider a Roth IRA, here’s an important note: Not everyone can contribute to a Roth IRA, because of IRS-imposed income limits. But even if your income is over the limits, you still may be able to have one by converting existing money in a traditional IRA or other retirement s...