Older couple

However far off you are from retirement, an Investment IRA is a smart way to save for the future.
Choose from a wide range of investment options and let your earnings grow tax-free or tax-deferred.

Features & Benefits

Options that fit.

Our seasoned financial advisors can help you choose from a wide range of investment options based on your goals and risk tolerance.

Tax advantaged.

Funds grow in an IRA tax-free (Roth) or on a deferred basis (Traditional) until retirement.

Time on your side.

The sooner you start, the more you could benefit! Potential income from interest, dividends and capital gains compound each year.


Traditional or Roth IRA—what fits you best?

Traditional IRA

• Anyone under the age of 70 1/2 with earned income is eligible

• Offers potential for tax-deductible contributions

• Earnings grow tax-deferred until withdrawn

• Withdrawn funds taxed at current rate

• Withdrawals made before age 59 1/2 may incur a 10% penalty

• Distribution must begin at age 70 1/2

Roth IRA

• Contributions aren’t tax-deductible

• Contributions (not earnings) can be withdrawn, tax-free, at any time

• Earnings can be withdrawn tax-free after age 59 1/2 AND the account has been open five years or more

• Income-based contribution restrictions may apply

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Rollovers & transfers made easy.

Have you recently retired or changed jobs and have an old 401(k) or other retirement plan? Do you have existing IRA you’d like to discuss? It’s important to know your options. When the time’s right, we’re here to help. Our financial advisors can guide you through the simple steps to consolidate all your retirement accounts into a Traditional or Roth IRA—while maintaining the tax advantages.


We also have FDIC Insured Savings and CD IRA options. Contact us to find out more.