Can You Trade Options in a Roth IRA? How Pros Do It

How pros think about options inside a Roth

So, here’s the thing: smart investors don’t open a Roth IRA and start swinging for the fences with options. They use options to tilt the odds, measured risk, clear purpose, brutally simple rules. If you’ve googled “can-i-trade-options-in-a-roth-ira,” you’re already asking the right question. The answer is yes at many brokers, but the way pros approach it is boring-on-purpose. And boring is good when every dollar grows tax-free.

What you’ll get from this section: how to use options to improve outcomes, not to gamble. We’ll set up a simple playbook that treats your Roth contribution space as scarce and precious. For context, the IRS cap was $7,000 in 2024 (plus a $1,000 catch-up if you were 50+). That’s not a lot of room. Once capital is gone, you can’t just refill it later without waiting for the next year’s limit. So preservation first, optimization second.

Pros ask one question before any trade: what job is this option supposed to do?

• Income: Covered calls or cash-secured puts to harvest yield without reaching. You’re getting paid to wait, you know?
• Protection: Long puts or collars to cap drawdowns. Think insurance, not lottery tickets.
• Entry/exit efficiency: Use options to improve your basis or sell into strength, cash-secured puts to enter; covered calls to exit.

Look, Roth IRAs have guardrails. That’s intentional. No margin loans, no shorting stock, and no naked calls. Brokers enforce strict collateral rules inside IRAs: you can typically do covered calls, cash-secured puts, long calls/puts, and defined-risk spreads (like verticals) when approved. But anything that would create a margin debit is off-limits. This isn’t me being picky, those are regulatory and plan constraints. Also, remember the Roth basics: distributions of earnings before age 59½ usually face a 10% penalty on top of taxes if they’re not qualified, and the 5-year clock matters for tax-free earnings. Capital you lose here is capital you can’t easily replace.

Pros respect the tape and the calendar. Volatility moves around, premiums tend to be richer when markets get jumpy (we’ve seen that on and off this year), but premium is not “free money.” As I mentioned earlier, the goal is to improve risk-adjusted returns: smooth the ride, hedge tail risk, and add incremental yield without blowing up the account. Anyway, a few brutally simple rules I use on my own desk: define max loss before entry; avoid unlimited-loss structures in an IRA; size positions so a bad month doesn’t wreck your annual contribution; and only sell options against collateral you’re happy to own or already own. Basically, use options like a scalpel, not a chainsaw. And yes, it’s a bit complex at first, I get it, but with a clear job for each trade, it becomes repeatable and, honestly, kind of boring. The good kind of boring.

Short answer: yes, you can trade options in a Roth, within limits

Short answer: yes, you can trade options in a Roth, within limits. And the limits matter. In an IRA, you’re boxed in by IRS rules and your broker’s approval tiers. That’s by design. The account’s tax perks are great, but it’s not a playground for unlimited-loss trades.

What’s typically allowed in 2025 (custodian approval required):

• Covered calls, You own 100 shares per contract and sell calls against them. Simple, income-oriented, and IRA-friendly.
• Long calls and long puts, Straight purchases. Defined risk (premium paid). You can’t lose more than what you paid.
• Protective puts, You own the stock and buy a put as a hedge. Classic downside insurance.
• Cash-secured puts, You sell a put with cash reserved for assignment. Think 100% of strike × 100 per contract, parked in the IRA.
• Defined-risk spreads (case-by-case), Some brokers allow debit spreads or credit spreads with capped risk, but only after higher-level approval. I’ve seen this approved at one custodian and denied at another, same investor, same profile. Go figure.

What’s off-limits:

• Naked calls, Unlimited loss potential. Not happening in a Roth.
• Uncovered short puts, If they’re not fully cash-secured, they’re out.
• Margin borrowing or short stock, IRAs are not margin accounts. Reg T margin doesn’t apply here; everything must be fully paid or fully collateralized.
• Using IRA assets as collateral, That’s a prohibited transaction under IRC §4975. Cross-collateralizing with outside assets, pledging the IRA, any of that, don’t do it.

Why the broker approval levels matter: Most big shops use tiered options permissions, usually 3-4 levels. The lower levels cover covered calls and protective puts; mid levels add long calls/puts; higher levels might include certain spreads with defined risk. You have to apply and be approved for the level you want. Expect more paperwork than your taxable account and, honestly, stricter collateral rules. IRAs are “fully secured or don’t place the trade.”

Here’s the thing: risk controls are tighter because a Roth’s tax shield is valuable and, once you blow up capital, you can’t just refill it beyond annual contribution caps. And yes, those caps bite, pull money out early and you can face a 10% early distribution penalty before age 59½ (per IRS rules), plus ordinary income tax on non-qualified earnings. That penalty isn’t “options-specific,” but it’s the backdrop to every decision.

Current market note: premiums have been pretty decent when volatility spikes, VIX has popped into the low 20s a few times this year, so covered calls and cash-secured puts can look tempting. Are they “free yield”? No. Assignment happens, and it happens on Fridays you least want it. I learned that the hard way on a dividend name last year, got called away the day before the payout. My bad, I should’ve rolled earlier.

I’m still figuring this out myself, well, not the rules, those are clear, but the balance. Do you need spreads in a Roth? Sometimes. Defined-risk spreads can cap losses and conserve cash, which helps sizing. I was going to explain how to structure a put spread around earnings, but the thing is, broker-level approval dictates whether you can even place it. Start by checking your custodian’s options level, apply for the next tier if needed, and expect to hold 100% cash or the underlying to cover any obligation. You won’t recieve margin grace here. And that’s ok. Safety first, returns second. Same idea, said a bit differently.

Bottom line: Yes, options in a Roth are doable, just stick to defined-risk and fully secured trades, respect approval levels, and keep the IRS (and §4975) happy.

Taxes in a Roth: the upside and the sneaky gotchas

Here’s the thing, inside a Roth IRA, your option gains and dividends and interest all grow tax-free. That’s the upside. If your withdrawals are qualified, you pay $0 in federal income tax on the gains. Qualified means two tests: you’re at least 59½ and you’ve satisfied the 5-year clock (the clock starts on January 1 of the year you made your first Roth contribution or conversion). Hit both, and your covered call wins, long call wins, cash-secured put wins, everything, comes out tax-free. That’s the whole point.

Where people trip up is the non-qualified bucket. If you pull earnings early, those earnings can be taxed as ordinary income and hit with a 10% early distribution penalty. Contributions come out first, then conversions (by year), then earnings, ordering rules save a lot of headaches. As I mentioned earlier, you know, it’s not the trade mechanics that get you, it’s the withdrawal sequencing.

Another common surprise: losses in an IRA aren’t deductible. Before 2018 there was a quirky, hard-to-use path to claim overall IRA losses as a miscellaneous itemized deduction, but the Tax Cuts and Jobs Act suspended those deductions for 2018-2025. Translation, your losers inside the Roth don’t help your taxes at all this year. I had a client in 2020 who kept a spreadsheet thinking we’d “use” the drawdown at tax time. We didn’t. We couldn’t.

Wash sales can sting too. The 30-day wash-sale window doesn’t just look within an account, it looks across you, the taxpayer. If you sell a stock at a loss in your taxable brokerage and buy a substantially identical security in your Roth IRA within 30 days, the IRS can disallow the loss and, this is the kicker, there’s no basis adjustment in the IRA. It’s gone. See IRS Rev. Rul. 2008-5. I still occassionally see people roll a losing taxable position and reestablish it in the Roth thinking they’re clever. They’re not. Don’t do that.

UBTI/UBIT is another oddball. For listed equity options, you generally won’t trigger unrelated business taxable income. But certain partnerships (think MLPs) or complex notes can pass through UBTI. If an IRA has over $1,000 of UBTI in a year, it may owe tax and file Form 990-T, inside the IRA, yes, even a Roth. It’s rare with plain-vanilla options on SPY, AAPL, or QQQ. It’s less rare if you start parking K‑1 partnerships in your Roth and writing options around them. Be cautious.

One more gotcha people ask about: Section 1256’s 60/40 tax treatment for index options. Inside a Roth, it’s irrelevant. The shelter removes rate differences, winning is winning, no special blended rate needed. Your risk still very much matters, though. A 40% drawdown doesn’t feel better just because it’s in a Roth. Risk is risk.

Quick checklist, because the market’s choppy this year around Fed meetings and earnings clusters, and it’s easy to get sloppy when VIX pops:

• Withdrawals: 59½ + 5-year clock = tax-free. Miss either and earnings may be taxed + 10% penalty.
• Losses: Not deductible in an IRA (TCJA suspended the old method for 2018-2025).
• Wash sales: Taxable-to-Roth replacement can permanently disallow the loss (IRS Rev. Rul. 2008-5).
• UBTI: Keep an eye on partnerships/K‑1s; >$1,000 UBTI can trigger Form 990‑T inside the IRA.
• 1256: 60/40 doesn’t matter in a Roth, focus on position sizing and risk.

Bottom line: the Roth gives you a tax-free outcome if you follow the rules, don’t let wash sales, early withdrawals, or exotic products leak value you can’t get back.

What brokers actually allow in 2025

Brokers aren’t carbon copies. Same IRS umbrella, different house rules. Here’s the real-world setup you’ll see today if you ask, “can I trade options in a Roth IRA?”

Fidelity and Schwab, as of this year, generally approve the basics in Roth IRAs: covered calls, protective puts, and cash-secured puts. They also tend to allow defined‑risk spreads under a “limited margin” or “options level 2/3” style approval. That phrase trips people up, limited margin in an IRA isn’t borrowing. It’s mainly settlement flexibility and permission to hold defined‑risk spreads (like a vertical) where the maximum loss is fully collateralized. No use, no short stock, no naked calls. Vanguard is usually more restrictive; you’ll often get covered calls and protective puts, and sometimes cash‑secured puts, but multi‑leg spreads are tighter or not offered. It’s not personal; it’s their risk framework.

Look, policies change, quietly, so you always confirm your custodian’s current matrix. Terms like “limited margin” or “options level” sound the same across firms but aren’t identical. One firm will let you do a bear put spread; another wants higher net worth or options experience logged. I’ve seen approvals get pulled after a messy assignment week, too.

There’s a cash-management wrinkle that actually matters after assignments. U.S. equities and many ETFs moved to T+1 settlement on May 28, 2024 under the SEC’s rule amendment (Release No. 34‑96930; compliance date May 28, 2024). That’s great for reducing counterparty risk, but it tightens your clock. If you sell a cash‑secured put and get assigned on Friday, the stock purchase settles the next business day, your cash has to be there. Exercises/assignments and option expiration funds move faster now; “I’ll wait for proceeds on T+2” isn’t a thing anymore. So basically, less slack in the system means your IRA needs either idle cash or Treasury sweep capacity to avoid good‑faith issues.

Risk controls have also gotten stricter. After bouts of volatility last year and earlier this year, custodians put more guardrails around short‑dated options. Expect more real‑time risk checks, position caps, and the occasional “order rejected, insufficient collateral” even when you think you’ve got the numbers right. This actually reminds me of the post‑meme era lineup changes, brokers don’t want settlement failures during a VIX spike.

Why the extra scrutiny? Partly volume and tenor. The OCC reported a record 10.3 billion cleared options contracts in 2023, which was already huge and kept the pressure on risk systems. And Cboe data in 2023 showed 0DTE SPX options regularly accounting for 40%+ of daily SPX option volume, short fuses mean tighter pre‑trade checks. When expirations cluster around earnings or CPI, those checks get, you know, extra sensitive.

• Fidelity/Schwab/others: covered calls, protective puts, cash‑secured puts; many allow defined‑risk spreads with limited margin (no borrowing).
• Vanguard: tends to be narrower, covered calls and protective puts; spreads availability is limited.
• Limited margin in IRAs = settlement flexibility and spreads. It is not use.
• T+1 (effective May 28, 2024) compresses cash cycles on assignments/exercises, plan your cash.
• More real‑time risk checks and tighter controls this year; short‑dated options are the driver.

Call your broker before you trade the strategy, not after the “order rejected” message. Policies might look similar on paper but can feel very different in practice.

Risk, collateral, and capital constraints you’ll feel in a Roth

Here’s the thing: assignments happen in a Roth, and they feel different because your contribution space is capped and you can’t just wire in fresh cash tomorrow. The IRS set the 2025 IRA contribution limit at $7,500 (or $8,500 if you’re 50+), and that’s your annual max, period. In a taxable margin account you might size a trade and backfill later; in a Roth, that’s not a luxury. So, model both states of your options positions as the base case, not the tail. Cash‑secured puts can and will convert into stock; covered calls can sell your shares. If you’re not okay owning 100 shares at the strike, or losing them at the strike, don’t write the contract.

Speaking of which, no margin in a Roth means no use bailouts when the market moves against you. Limited margin some brokers offer in IRAs is for settlement flexibility and defined‑risk spreads; it is not borrowing power. Keep extra cash aside for exercises, assignments, and stray dividends that hit after you’ve shorted a call. With T+1 in effect since May 28, 2024, cash cycles faster, but exercises can still leave you tight for a day, especially around weekly expirations when, you know, timing gets messy.

Volatility cuts both ways. Long options decay, and in 0-7 DTE land that decay is like dog years. The flip side is short premium can snowball if you’re not fully collateralized in a defined‑risk way. If you’re short a put without enough cash earmarked (or a protective long put in a spread), a 1-2 sigma slide forces decisions you can’t easily solve by adding capital. Quick math: under a normal assumption, about 68% of moves sit within 1 standard deviation and ~95% within 2; that’s a good sanity band for stress tests. Actually, let me rephrase that, don’t just look at the band, pre‑commit actions for those moves.

Plan for early assignment, especially around ex‑dividend dates. If a short call is in‑the‑money and its remaining extrinsic value is less than the dividend, assignment risk is real. Example: stock pays a $0.75 dividend tomorrow, your short call has only $0.40 of time value, exercise is rational for the holder. I’ve been assigned the night before ex‑div more times than I care to admit; it’s not personal, it’s math.

Position sizing matters more in a Roth for a simple reason, you can’t refill the bucket. One contract of a $60 cash‑secured put ties up $6,000; that might be a huge chunk of your Roth if you’re just starting. Scale to portfolio size and consider ladders instead of single strikes. And if you’re running covered calls on a name that gaps 5-8% on earnings (we’ve had plenty of those this year with AI‑adjacent names), decide now if you’ll roll, accept assignment, or cap gains.

• Model both states: stock delivered vs. stock called away. Track P/L in each, not just expected theta.
• Hold a cash buffer: enough for one assignment and any pending fees/dividends; don’t run your cash at zero.
• Stress‑test: 1-2 stdev moves, plus early exercise on dividend names; rehearse the order you’ll place.
• Keep it defined‑risk when short premium: spreads that cap losses, not naked hope.
• Mind T+1 mechanics: exercises settle fast; your next trade might need to wait a day, annoying, but better than a violation.

Anyway, if an assignment would blow up your plan, the issue isn’t the assignment, it’s the sizing. I learned that the hard way in 2020, and again, yep, earlier this year on a dividend call.

Strategies that fit a Roth IRA (and why they make sense)

So, Roth IRAs love steady, compounding gains because qualified withdrawals are tax-free. That means strategies that harvest small, repeatable edges without tail-blowing risk tend to shine. Also, sizing matters: the IRS set the 2025 IRA contribution limit at $7,500 (with a $1,000 catch-up if you’re 50+), so fresh capital is scarce, protect it. For context, Fidelity reported the average IRA balance at $113,800 in Q2 2024, which is solid but not bulletproof when markets gap. Anyway, here’s what actually fits.

• Covered calls on core ETF/stock positions: Write calls on broad ETFs (VOO, SCHD) or your durable singles to generate measured income. You accept capped upside; that’s the trade. I usually think 30-60 days, strikes ~10-20 delta on core holdings. In a Roth, tax-free premium is sweet; just remember big runs (like AI-adjacent names earlier this year) will probably rip through your strike. Are you okay selling? If not, choose higher strikes or fewer contracts.
• Protective puts around event risk: Earnings on single stocks, Fed inflection weeks, policy surprises, you don’t need a put on everything, all the time. But a 1-2 month put into known risk can guard compounding. Actually, wait, let me clarify that: you’re insuring the path, not predicting direction. IV will be higher, yes; still, avoiding a -15% gap that takes two years to recover in a tax-advantaged account can be worth the premium.
• Cash-secured puts to acquire quality at a discount: This is a Roth workhorse. Sell puts only with full cash coverage for assignment; no exceptions. If you want 1 contract at a $90 strike, have $9,000 sitting ready. You earn premium while waiting for your target price, if assigned, great; if not, you were paid to wait. This is how I’ve built positions without chasing; occassionally I regret not being more aggressive, but I sleep at night.
• Defined-risk vertical spreads (where permitted): Many brokers allow debit and credit spreads in IRAs with the right approval level. Keep your downside capped and collateral efficient. Example: a call credit spread when you think near-term upside is stretched, or a call debit spread to express bullishness with limited capital. The margin is the width minus credit (or the debit paid); it’s clean, predictable, and, you know, doesn’t wreck the account if you’re early.
• LEAPS as partial stock replacement: Long-dated calls (LEAPS) with a reasonable delta (~0.55-0.70) on liquid names/ETFs can reduce capital at risk while keeping upside. Pick underlyings with tight spreads and robust open interest. If shares are $300, a Jan 2027 200-220 call might carry most of the exposure with less downside. Don’t overpay for glamour; extrinsic bleeds, but controlled.
• Avoid 0DTE churn in a Roth: It’s seductive. Don’t. Cboe data showed 0DTE trades made up a big slice of SPX volume in 2023 and 2024 (on some 2024 sessions 50%+ of SPX options volume skewed 0DTE). That popularity doesn’t change the math: frequent small wins, occasional outsized loss. Tail risk + limited annual contributions = bad mix for retirement capital.

Look, IRAs can trade options, yes, covered calls, cash-secured puts, protective puts, and defined-risk spreads are typically allowed; naked short calls are not. Brokers differ; check their approval tiers and T+1 mechanics. If the strategy only works when nothing weird happens, skip it. Because something weird will happen; I promise. And if I start ranting about 2020, well, you get it.

So, what’s the move from here? Trade like a future you will thank

So, what’s the move from here? Trade like a future you will thank. You’ve got the building blocks. Now it’s about running a simple, repeatable process so you’re calm, purposeful, and risk-aware. Markets are still headline-sensitive this quarter, macro prints move index vol, single-name spreads are decent in the liquid stuff, and you still see occasional gap risk around earnings. That’s normal. The edge is planning, not predicting.

First, a quick reality check. Yes, you can trade options in a Roth IRA at many brokers, covered calls, cash-secured puts, protective puts, and defined-risk spreads are typically permitted in IRAs, while naked short calls are generally not. But IRA permissions are broker-specific and tiered. Actually, wait, let me clarify that: one broker’s “Level 2” might not match another’s. And timing matters. The SEC’s T+1 settlement went live on May 28, 2024, so your cash and collateral move faster, but not instant, cash from sales is generally available next business day. Also, 0DTE is still everywhere: on some 2024 sessions, Cboe showed 0DTE trades accounted for 50%+ of SPX options volume. Popular? Sure. A reason to sprint with retirement money? Hard pass.

Remember: Roth space is scarce. You don’t get do-overs on tax-free compounding. Protect principal, let compounding work, and use options to smooth the ride, not to show off.

Here’s a straightforward pre-trade checklist I actually use with clients (and myself):

1. Confirm permissions now: Check your broker’s 2025 IRA options rules and your current approval level before placing anything. Screenshot it. If you need spreads or cash-secured puts, make sure you’re approved for that tier today, not after your “great idea.”
2. State the objective, in writing: Income, hedge, or entry. If the real reason is “action,” walk away. Action trades feel fun, but they usually just tax your future self.
3. Size like assignment can happen: Cash-secured put? Assume you’ll own the shares. Covered call? Assume they’re called away. Defined-risk spread? Underwrite the max loss and confirm it won’t derail your long term plan. If it would sting for weeks, it’s too big.
4. Mind T+1 and dividends: With T+1, sale proceeds post next business day, which affects rolling and cash availability in IRAs. Around ex-dividend, calls with extrinsic value below the dividend are prime for early exercise. If you’re short calls on dividend names, check extrinsic vs dividend the day before ex-date, don’t be surprised.
5. Separate accounts to avoid wash-sale messes: Keep taxable and IRA versions of the same ticker clean. Rev. Rul. 2008-5 treats IRA repurchases as wash sales that permanently disallow the loss. I’ve seen people learn this the hard way in April, don’t be that person.
6. Prefer defined-risk in the Roth: Credit spreads or put spreads that cap losses keep the account compounding. Naked risks that can clip 10-20% in a bad week? Not worth it. This year’s tape still punishes hero trades occassionally.
7. Check liquidity and slippage: Tight spreads and robust open interest. If you have to chase 20-30 bps just to get filled, rethink it.
8. Set exits before entry: Profit target, time stop, and a “what if I’m wrong” rule. Write it down. You can always adjust, but don’t improvise under stress.

I know this might be getting complicated. Options in IRAs have extra knobs, permissions, taxes, timing. But once you standardize your process, it’s actually simpler day-to-day. Look, earlier this year I saw more than a few traders get caught rolling calls into ex-div without checking extrinsic, then wondering why they were assigned. A 30-second check would’ve saved the headache. Small habits, big effect.

Anyway, the takeaway is boring on purpose: confirm what your account can do today, write the intent, size for the worst case, respect T+1 and dividends, keep taxable and IRA trades clean, and remember the Roth is precious. You won’t win any bragging contests, but you’ll likely keep more of what matters.. but that’s just my take on it.

Frequently Asked Questions

Q: Is it better to sell covered calls or cash-secured puts in my Roth for income?

A: Short answer: pick based on whether you want to own more shares (puts) or you’re fine selling some (calls). Covered calls trim upside but pay you while you hold. Cash-secured puts get you paid to potentially buy at a discount. Keep trades small (5-10% per ticker), 30-60 days to expiration, delta ~0.20-0.30, and always leave a cash buffer. Boring, repeatable, tax-free growth.

Q: How do I get approved to trade options in a Roth IRA and what strategies are allowed?

A: Each broker has tiers. In a Roth IRA you can usually get approved for: long calls/puts, covered calls, cash-secured puts, and defined-risk spreads (verticals). No margin loans, no short stock, no naked calls, period. Action plan: 1) Apply for options approval (aim for a level that supports spreads). 2) Enable “limited margin” if offered, this is for same-day settlement only, not borrowing. 3) Fund enough cash to fully secure puts and spreads. 4) Start with tiny positions and a written playbook. If a trade needs margin to survive… it doesn’t belong in a Roth. Also, remember last year’s IRS contribution cap was $7,000 for 2024 ($1,000 catch-up 50+), so treat that space like it’s scarce.

Q: What’s the difference between using long puts vs collars for protection in a Roth?

A: Long puts are pure insurance: you pay a premium, keep all upside, and cap downside. Collars pair a long put with a short call; the call helps fund the put, but you cap your upside at the short-call strike. Practical setup: for puts, think 3-6 months out, strike ~10% below spot; budget roughly 0.5-1% of portfolio value per month for hedging. For collars, buy that same protective put and sell a 0.20-0.30 delta call 30-60 days out to offset cost. I use collars when markets feel frothy and I’m okay selling into strength; I use straight puts when I want maximum flexibility. In a Roth, loss deductions don’t exist, so paying a bit for protection to avoid deep drawdowns actually makes sense long term, you know?

Q: Should I worry about taxes, penalties, and the 5-year clock when trading options inside a Roth?

A: Yes, mainly around withdrawals and eligibility, not trade mechanics. Inside the account, qualified gains from options grow tax-free. The issues start when money leaves. For a distribution of earnings to be tax-free, you generally need: (1) to be 59½ or older, and (2) the 5-year clock satisfied, which starts January 1 of the year you first funded any Roth IRA. Pull earnings early and you’ll likely owe income tax plus a 10% penalty. Contributions are different: you can withdraw your original contributions anytime tax- and penalty-free because you already paid taxes. Ordering rules matter, distributions are treated as contributions first, then conversions, then earnings. Where people trip up: using strategies that could require margin. You can’t borrow in a Roth, so avoid naked calls or anything that could create a debit. Defined-risk spreads, covered calls, cash-secured puts, those fit the guardrails. Losses aren’t deductible in a Roth (unlike a taxable account), so don’t plan on “harvesting” anything. Wash-sale rules don’t apply inside IRAs in the usual way, but that doesn’t create a loophole, it just means you can’t claim the loss anyway. One more thing: options in a Roth don’t trigger UBTI under normal listed-equity strategies. And no RMDs for you as the original Roth owner. Bottom line: keep trades fully collateralized, keep withdrawals to contributions until you’re qualified, and let compounding do the heavy lifting. I know it’s boring. Boring is good here.

@article{can-you-trade-options-in-a-roth-ira-how-pros-do-it,
    title   = {Can You Trade Options in a Roth IRA? How Pros Do It},
    author  = {Beeri Sparks},
    year    = {2025},
    journal = {Bankpointe},
    url     = {https://bankpointe.com/articles/options-in-roth-ira/}
}