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Individual Retirement Accounts

Enjoy the confidence of having a plan for your future that accounts for your specific needs and objectives. Depending on your goals, time horizon and risk tolerance, we can help you diversify your Individual Retirement Account (IRA) with a mix of stocks, bonds, mutual funds, certificates of deposit (CDs) and other alternatives. We offer:  Traditional IRAs |  Roth IRAs | Rollover Services | Self-Employed Retirement Plans

Traditional IRAs


Use pre-tax dollars to help secure your financial future.

Invest pre-tax dollars in a traditional IRA and grow them tax deferred until they are withdrawn at retirement. We can help you open a traditional IRA or roll over a retirement account from a previous employer.

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  • Available to individuals with earned income who are age 70½ or younger
  • Contributions may be tax deductible if you are not an active participant in an employer-sponsored retirement plan
  • Distributions and earnings from a deductible IRA are taxed as ordinary income when withdrawn
  • Early withdrawals not made in accordance with federal regulation are subject to penalty and fees

Roth IRAs


Invest after-tax dollars and withdraw them tax free in retirement.

If you would prefer to invest after-tax dollars and allow them to grow tax free, consider a Roth IRA. In retirement, withdrawals from a Roth IRA are not considered taxable income. We can help you open a Roth IRA or roll over a retirement account from a previous employer.

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  • Available to individuals with an adjusted gross income (AGI) of $105,000 or less and joint filers with an AGI of $166,000 or less
  • Early withdrawals may be made tax- and penalty-free if used for a first-time home purchase and the account has been in place for at least five years. Limitations apply.
  • Early withdrawals not made in accordance with federal regulation are subject to penalty and fees.

 

Rollover Services


Gain control over where and how your retirement savings are invested.

If you have several existing IRA accounts or an existing retirement plan from an employer, such as a 401(k), and are changing jobs or plan to take an early retirement, you may benefit from rolling your account(s) into an IRA.

You could roll your account(s) into a Traditional IRA, which would allow your earnings to continue to grow tax-deferred. Or, you could roll them into a Roth IRA, which would require you to pay taxes now and thereby allow you to make withdrawals in retirement tax-free provided you held it for at least five years.

We can discuss your specific circumstances to help you determine which plan would be most advantageous for you. We can also coordinate with third parties to help ensure a smooth transition.

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Self-Employed Retirement Plans


Grow your retirement funds with the plan that fits you best.

If you’re in business for yourself and by yourself, we can help you pick the retirement account that best fits your situation and create an investment strategy tailored to your unique requirements. We can help you weigh the benefits and tax ramifications of each plan and account. 

For more information on business retirement accounts, click here.

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