Questions about investing?

Individual Retirement Accounts

Whether your retirement is soon approaching or several years down the road, the advantages of an IRA can give you confidence as you prepare.

Traditional IRAs

If you’ve earned income and are younger than age 70½, a traditional IRA may be the best option.

Roth IRAs

If you’ve earned income below a certain threshold set by the IRS, a Roth IRA may be best for you.

Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. The Roth IRA offers tax deferral on any earnings in the account. Withdrawals may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax.

Stocks, Bonds and Funds

Our advisors will work with you to develop a strategy based on your goals, risk tolerance and timeline.

Stocks

Stocks give you the opportunity to buy ownership in a specific company or companies.

Bonds

Bonds are a good way to diversify your stock portfolio and can balance out a downturn in the stock market.

Mutual Funds

A popular choice for funds is a mutual fund that includes a portfolio of stocks, bonds, or other securities.

Exchange-Traded Funds (ETF)

An ETF is a basket of securities that you can buy or sell through a brokerage firm on a stock exchange.

Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. In general, the bond market is volatile as prices rise when interest rates fall and vice versa. Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss. An issuer may default on payment of the principal or interest of a bond. Bonds are also subject to other types of risks such as call, credit, liquidity, interest rate, and general market risks.

Annuities

An annuity is an investment tool that can provide you with a regular paycheck after you retire.

• Make a single contribution or several payments over time.
• Contribute any amount, regardless of your income level or age.
• Your funds grow tax-deferred.
• Once you begin taking withdrawals, you can choose from different options, including a fixed amount for life or payments to your beneficiaries.
• Choose between a fixed annuity or a variable annuity.
• Choose if you want immediate income or deferred income in retirement.

Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.