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An Individual Retirement Account is a great way to save for retirement.  An IRA offers you a safe and secure option for your retirement dollars with a guaranteed rate of return.  We offer Traditional and Roth IRA’s.


A Traditional IRA allows you to defer taxes on your earnings until they are withdrawn.  Also, certain contributions may be tax deductible in the year they are made.


A Roth IRA is an account that features tax-free earnings once you have reached the age of 59 ½ and you have had a Roth IRA for 5 years.  Roth IRA contributions are non-deductible and are taxed in the year they are earned.  A Roth IRA allows you to withdraw contributions tax-free and penalty free at any time.  You also have the ability to withdraw tax-free earnings if certain requirements are met.  Unlike the traditional IRA, there is no requirement to start taking distributions at the age of 70 ½.  There are income limitations for eligibility for a Roth IRA.