Retirement Accounts

For most, the money saved in personal or work based retirement accounts makes up the bulk of assets that will be needed for income in retirement. We offer Individual Retirement Accounts (IRAs) and Roth IRAs. These are qualified accounts which can provide tax-deferred growth for your retirement income. We can help you with opening one of these accounts, rolling over a 401k or 403b account, asset allocation, and management of your investments in these retirement accounts and importantly decide which type of IRA is best suited for you. In addition, we can also assist our advisory clients with advice for allocating and rebalancing the investments in their current retirement plans at work. We make sure our clients don't loose track of old work-based retirement accounts and ensure that all of their existing retirement accounts are getting the attention they deserve.

IRAs and Roth IRAs

Tax efficient personal accounts for retirement.

A Roth IRA offers tax free withdrawals on taxable contributions.

To qualify for the tax-free and penalty-free withdrawal or earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59 ½ or due to death, disability, or a first-time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes.

401(k) and
403(b) Accounts

Corporate sponsored accounts for retirement savings.

Distributions from traditional IRAs and employer sponsored retirement plans are taxed as ordinary income and, if taken prior to reaching age 59 ½, may be subject to an additional 10% IRS tax penalty.

Small Business
Owner Plans

Customized retirement plans for business owners.

All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.

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