Retirement Accounts

Individual Retirement Accounts (IRA)

Take control of your retirement future by investing in an IRA now. An IRA may serve as your primary retirement savings vehicle or as a supplement to a 401(k) or other employer-sponsored program. With tax advantages including tax-free and tax-deferred withdrawals, an IRA can help put you on the road to a comfortable retirement.

What is a Traditional IRA?

Investing in a Traditional IRA personal savings plan is one way to provide yourself supplemental retirement income and reduce your dependence on Social Security benefits.
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What is a Roth IRA?

A Roth IRA offers you the potential for tax-free distributions at retirement. While you must have earned income to contribute to a Roth, and contributions are not tax deductible, you won’t pay federal taxes on dividends or capital gains you have earned if you have a qualified distribution.
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What is a Stretch IRA?

A Stretch IRA is a beneficiary-naming strategy for transferring your wealth across generations. A savvy and straightforward investment savings concept, the Stretch IRA literally “spreads the wealth” to others, providing you peace of mind and your beneficiaries an added source of income.
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Roth Conversions

For some investors, a Roth IRA may provide greater after-tax income during retirement than a Traditional IRA. While converting to a Roth is a taxable event, the benefits may outweigh the tax consequences for many. Additionally, tax laws that previously prevented higher-net-worth investors from converting to a Roth have changed. Regardless of your annual income or tax-filing status, you can convert a Traditional IRA to a Roth.
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