Investment products are not insured by the FDIC, are not deposits, and may lose value.
Your Individual Retirement Account Deserves a Personal Touch.
Whether you’re building retirement savings or making the most of what you’ve already saved, our team is here to help. We’ll sit down with you, look at your full picture, and make sure your IRA is working the way you need it to.
How We Help You Get More From Your IRA
Once your IRA is with us, we look for practical ways to improve what it delivers:
- Keeping Costs Low – we favor low-cost index funds over expensive actively managed options
- Planning for Withdrawals – matching investment maturities to when you’ll actually need the money
- Diversifying Thoughtfully – across U.S. and international bonds, with flexibility if plans change
- Timing Roth Conversions – finding low-income years where a conversion makes sense and reduces future required distributions
- Qualified Charitable Distributions (QCDs) – make charitable donations using distributions from your individual retirement account (applies to IRA owners who are 70½ and older and excludes 401(k) and other retirement accounts).
IRA Options
Traditional IRA
Contributions may be tax-deductible, and your investments grow tax-deferred until withdrawal – often at lower tax rates in retirement.
Roth IRA
Contributions are made after-tax, but qualified withdrawals – including all growth – are completely tax-free. A powerful tool for long-term, tax-free compounding.
Financial Education about Retirement
Not Sure Which IRA Fits?
The right choice depends on your current tax bracket, your expected retirement income, and your timeline. Our advisors can walk you through it, and for many people the answer is using both.
Retirement Account Rollovers Can Simplify Your Life
If you have retirement accounts scattered across former employers and multiple providers, consolidating into a single rollover IRA makes it easier to track progress, maintain the right asset allocation, and manage required minimum distributions. One account, one advisor, one clear view of your retirement.
Disclosure
Tax strategies and concepts discussed are provided for general informational purposes only and are not intended as tax advice. Consult your CPA or tax advisor before implementing any tax-related strategy.