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Individual Retirement Accounts

Traditional


  • Contributions can be made by anyone under the age of 70½ who has earned income
  • Interest accumulates tax-deferred
  • Distributions can be taken any time after age 59½ without IRS penalty
  • See IRS guidelines for annual contribution limits
  • FREE transfer and rollover assistance provided
  • No annual administration fee

Roth


  • Contributions can be made by anyone, without age restriction, who has earned income
  • Interest accumulates tax-free if a Roth IRA is maintained at least 5 years
  • Distributions can be taken any time after age 59½ without IRS penalty or tax
  • See IRS guidelines for annual contribution limits
  • FREE transfer and rollover assistance provided
  • No annual administration fee