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IRAs

Curious about IRAs? We've got you covered.

Traditional IRAs (Not employer-sponsored)

• The money in your account grows on a tax-deferred basis.
  
• Your contributions may be tax-deductible (consult your tax advisor for deductibility in your situation).
• You may withdraw money without penalty at age 59 1/2(premature withdrawals may be subject to ordinary income tax and a 10% tax penalty).
• Required minimum distributions must begin after age 72.
• Avoid tax penalties by rolling over money from your previous company's 401(k) or 403(b) plan. 

Roth IRAs (Not employer-sponsored)

• The money in your account grows tax-free, however contributions are not tax-deductible as with a Traditional IRA
• Tax-free withdrawals in retirement if you have reached age 59 1/2 and have held the account at least five years (premature withdrawals may be subject to ordinary income tax and a 10% tax penalty)
• You are not required to begin taking distributions at age 72  

SEP IRAs

• A SEP (Simplified Employee Pension) IRA is a Traditional IRA set up under a written arrangement that allows employers to contribute to the IRA on the employee’s behalf (employer contributions may be discretionary). Generally, SEP IRAs have the same rules and requirements as Traditional IRAs.