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Roth IRA
- Non-deductible annual contributions of up to $5,000
($6,000 for individual over the age of 50) using a variety of investments.
- All capital appreciation and earnings grow without
current taxation.
- If certain requirements are met, funds can be
withdrawn tax-free.
- Never before has there been a means of compounding
assets at "taxable" returns with no related income-tax
liability.
- All accumulations can be passed to heirs free
of income taxes.
Roth IRA
Conversion
- Traditional IRA may be eligible to convert into
a Roth IRA.
- Converting a traditional IRA into a Roth IRA
is a taxable event.
- Your representative can evaluate the benefit
to you.
Self-Directed
Traditional IRA
- Annual contributions of up to $5,000 ($6,000 for
individual over the age of 50).
- All capital appreciation and earnings grow without
current taxation until funds are withdrawn.
- Flexible way to plan and build substantial retirement
income because you control the specific investments made.
- Investments can be changed at your discretion.
Retirement Planning
"Retirement security in a changing world."
A complete and comprehensive Financial Review includes
the following:
- Investment Allocation Review
- Retirement Security Review
- Estate Planning Review
- Life Insurance Needs Review
- Children's Education Review
- Income Tax & Cash Flow Review
401k
- Employer sponsored program.
- Funded by employee salary deferrals.
- Pre-tax investing.
- Mutual funds or self-directed investing.
- $16,600 maximum annual investment for 2010. (maximum
annual investment limits increase periodically)
- Can change fixed investment amount twice a year.
- People age 50 or older in year 2010 can deposit
an additional $1,000.
Simple
IRA
- Employer sponsored program (less than 100 employees).
- Funded by employee salary deferrals.
- Pre-tax income investing.
- Mutual funds or self-directed investing.
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