A new investor in a Roth IRA should consult with a financial planner to determine the best way to start investing in a Roth IRA. Depending on the investor's income and other factors, there may be different ways to contribute to a Roth IRA. For example, a new investor might be able to contribute directly to a Roth IRA, or they may need to contribute through a Roth IRA conversion from another type of retirement account.