• Retirement Planning, as well as,
• Education Planning
• Disability and Life Insurance Planning, and
• Estate and Survivorship Planning

Plan ahead and enjoy all that retirement has to offer. With so many IRA options to choose from, it’s easy to find the right plan and start building that nest egg today.

Traditional IRA

• Competitive fixed terms and rates
• Allows you to defer taxes on your earnings until withdrawal
• Certain contributions are tax deductible in the year in which they are made

Roth IRA

• Non-deductible account featuring tax-free withdrawals for certain distribution reasons
• Five-year holding period
• Roth IRA contributions are nondeductible and taxed in the year they are earned, those who expect to be in a higher tax bracket when they retire may benefit greatly from Roth as opposed to Traditional IRA’s

Coverdell Education Savings Account
(formerly an Education IRA)

• Non-deductible account featuring tax-free withdrawals for a child’s higher education expenses
• Qualified higher education distributions from an Education Savings Account are penalty and tax free

As of January 1, 2006, IRA Contribution Limits have increased again. Save $4,000 or 100% of earned income, whichever is less on Traditional or Roth IRA's. Remember-Investors age 50 and over are eligible to make an additional $1,000 per year catch-up contribution.