A Roth IRA is a type of individual retirement account that is funded with after-tax dollars, and any withdrawals are tax-free (so long as the individual is 59.5 and has had the account for five years). There are income restrictions and contribution limits to Roth IRAs.
CFP® certification is a voluntary certification granted in the United States by Certified Financial Planner Board of Standards, Inc. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Individuals who become certified are required to complete continuing education.