Introductory offer only for subscribers to
Michael Gray, CPA's newsletters!

Introducing our new book, How to Use Roth and IRA Accounts to Provide a Secure Retirement, 2015 Edition.

Imagine having an income tax-free retirement income!

It's possible with a Roth IRA or Roth 401(k) account!

In this compact explanation, Michael Gray, CPA gives the highlights of what you need to know to build a big, tax-deferred or tax-free retirement account and get the maximum benefits from it.

And much more!

It is 76 pages of hard-hitting information. This is a "plain talk" explanation that doesn't require a lot of tax knowledge, but will help you avoid unexpected tax traps.

The investment to buy this book at is $29.97. As a subscriber to one of Michael Gray, CPA's newsletters you can get a copy for only $14.99, plus $1.75 sales tax for California residents and $5.00 shipping. That's half price! This special offer will expire on November 30, 2015. (Books should be ready to ship by mid-November, 2015.)

"The world of retirement accounts can be complex and mysterious to the average investor or retirement saver. This work by Michael Gray simplifies much of the jargon and complex rules. As such, the typical consumer can learn and take advantage of the positive aspects of savings vehicles, in particular, the Roth IRA that is probably the best U.S. savings vehicle ever created."

Tom W. Anderson
President, Retirement Industry Trust Association (RITA) and
Founder and Vice Chairman
PENSCO Trust Company

Order via our website at, Fax the action form below with your order today, or call Dawn Siemer at 408-918-3162 on Mondays, Tuesdays or Thursdays.

May you have a secure retirement with a big IRA or Roth account!


Michael C. Gray

P.S. Remember, this introductory half-price offer will expire on November 30, 2015. The investment for our new book, Employee Stock Options - Executive Tax Planning, 2015 Edition is only $14.99 plus $1.75 California sales tax for California residents and $5.00 shipping. Fax the attached order form today, or call Dawn Siemer on Mondays, Tuesdays, or Thursdays at 408-918-3162. (Books should be ready to ship by mid-November, 2015.)


  1. Introduction
  2. Why a Roth or IRA is a key element in a retirement plan
  3. Roth or IRA?
  4. Single-person 401(k) and SEP alternatives for the Self-Employed
  5. What kinds of investments can you hold in a Roth or IRA?
  6. What kinds of transactions can you do with your Roth or IRA? (Prohibited transactions)
  7. Making alternative investments in a Roth or IRA using a self-directed account
  8. When Roths and IRAs pay taxes - The Unrelated Business Income Tax
  9. Where to get help with your investments
  10. Creating a bigger account - rollovers from qualified plans (401(k)s
  11. Converting a tax deferred account to a tax free account - at a price (Roth conversions)
  12. What distributions can you take from a Roth or IRA before age 59 ½?
  13. Distributions permitted from a Roth or IRA for age 59 ½ and later
  14. Required distributions during the participant's lifetime after age 70 ½
  15. Valuation and retirement accounts
  16. Estate planning for IRAs and Roths
  17. Handling an IRA or Roth account after a death
  18. Divorce
  19. For more information
  20. About the author

Appendix A - Retirement Plan Calendar checklist for after a death

Appendix B - IRS Actuarial Tables for Distributions

Introductory Offer Action Form

YES! I want to learn how to use Roth and IRA accounts to provide a secure retirement and maximize the benefits from those accounts.

Send me ____ copies of How to use Roth & IRA accounts to provide a secure retirement, 2015 Edition.

My investment per copy is only $14.99 (half-off the regular price of $29.97) plus $ 1.75 sales tax for California residents and $5.00 shipping, when I order by November 30, 2015. (Books should be ready to ship by mid-November, 2015.)

MY SATISFACTION IS GUARANTEED. If I don’t find this a valuable reference for retirement accounts, I may simply return the book for a no-hassle immediate refund of my investment. I am the sole judge.

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FAX to 408-998-2766

or mail to Silicon Valley Publishing Co.
2190 Stokes St., Ste. 102
San Jose, CA 95128-4512
© 2015 Michael C. Gray

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Michael Gray, CPA
2482 Wooding Ct.
San Jose, CA 95128
(408) 918-3162
FAX: (408) 938-0610
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