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Individual Retirement Accounts (IRA)

Feel great about retirement.

Our Retirement Specialists help you prepare for your future.

IRAs

When you’re ready to retire, we want you to really be ready. Our IRA options are designed to help you maximize your retirement savings, so you’ll be set for your golden years.

We Offer Two IRA Options:

Traditional IRA

This retirement account allows you to defer taxes on your earnings made and deductibility of your contribution is based on your IRS guidelines. All earnings of your traditional IRA remain tax deferred until you make withdrawals, which are taxed as ordinary income during the tax year of their withdrawal.

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Roth IRA

An IRA is a non-deductible retirement account that features tax-free withdrawals for certain distribution reasons after five years. To qualify for a Roth IRA, you must have earned income (or your spouse must have earned income). You may contribute any amount up to 100% of your compensation or $6,000 (whichever is less), as long as your Modified Adjusted Gross Income is within the limits established by the government (last set in 2019). An additional $1,000 is allowed to be contributed for those over 50.

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Our Retirement Specialists are ready to answer any questions you may have regarding Individual Retirement Accounts and how we can help you!

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Blog

On Our Minds

Chart of the Day: US Almost 50% of the World

Chart of the Day: US Almost 50% of the World

December 19, 2024

Today’s Chart of the Day from Torsten Slok with Apollo shows that the United States now makes up almost 50% of the world’s total stock market value.

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Young African American woman seated on a wooden floor, holding a take-out coffee, with a laptop on her lap, surrounded by bills strewn about her on the floor.
Savings Banking

Why Do I Need a Budget?

December 18, 2024

At its core, a budget is a plan that tracks your income and expenses. It's a tool to ensure you can cover your monthly expenses and save for future...

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Colored charts showing the changes (improvements) in Poverty, Basic Education, Literacy, Democracy, Vaccinations, and Child Mortality across the World's total population for the past 2 centuries.
Chart of the Day

Chart of the Day: Good News for Last 200 Years

December 17, 2024

Today's Chart of the Day, from Our World in Data, shows how the world has improved per 100 people since 1820.

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