Traditional and Roth IRAs

Effective tools for growing your nest egg

Helping You Prepare for Retirement

Both Traditional and Roth IRAs offer various benefits to anyone looking to save for the life they want in retirement.

Traditional IRA

This option allows you to receive a tax deduction up-front, then your earnings grow tax deferred, and your contributions may be tax-deductible depending on your filing status, income and other aspects. There is an annual contribution limit of $6,000, additional $1,000 for those age 50 and older.

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Roth IRA

A Roth IRA is the most commonly used if you don't need a tax deduction up-front, so withdrawals are tax-free when certain conditions are met. There is no age limit on contributions, nor is there a required minimum distribution at age 72. There is an annual contribution limit of $6,000, additional $1,000 for those age 50 and older.

Together, we can find out which one is right for you!

Note: Distributions from individual retirement plans prior to age 59½ may be subject to a 10% IRS penalty. Consult your tax advisor. Neither Cetera Investment Services, nor any of its representatives may provide tax advice.

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Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered.

Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

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