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An opportunity to plan for a better future.

Roth IRA

A flexible retirement account that offers valuable tax benefits including tax free growth on your investment!

Benefits

  • Contributions may be withdrawn at any time, tax and penalty free
  • Earnings are tax-deferred and may even be tax free
  • You are never required to take money out
  • Earned Interest  - Contact us for current rates!

Requirements and Restrictions

  • You or your spouse must have earned income
  • Modified adjusted gross income cannot exceed IRS limits
  • Annual contribution limits apply
  • Penalties apply on early earnings withdrawals

Traditional IRA

Want to put off your tax bill while you save for your retirement?

Benefits

  • You may be able to deduct the entire contribution amount on your income tax return
  • There are no income limits
  • Restrictions on withdrawals help you let your retirement funds grow
  • Because you may be retired, chances are withdrawals will be taxed at a lower income tax level
  • Earned Interest  - Contact us for current rates!

Requirements and Restrictions

  • You or your spouse must have earned income
  • You cannot make contributions after age 70½
  • You must start taking required minimum distributions after age 70½
  • Withdrawals may be subject to federal income tax
  • Penalties apply for withdrawals before age 59½ - some exceptions may apply
  • Annual contribution limits apply

The younger you are when you open your IRA, the greater your savings potential!