Retirement Planning
Roth IRARoth IRA Conversion
Self-Directed Traditional IRA
Retirement Landscape
401k
Simple IRA
Roth IRA
- Nondeductible annual contributions in year 2009 of up to $5,000 ($8,000 for married couples) using a variety of investments.
- All capital appreciation and earnings grow without current taxation.
- If certain requirements are met, funds can be withdrawn tax-free.
- Never before has there been a means of compounding assets at "taxable" returns with no related income-tax liability.
- All accumulations can be passed to heirs free of income taxes.
- People age 50 or older in year 2009 can deposit an additional $1000.
Roth IRA Conversion
- Traditional IRA may be eligible to convert into a Roth IRA.
- Converting a traditional IRA into a Roth IRA is a taxable event.
- Your representative can evaluate the benefit to you.
Self-Directed Traditional IRA
- Nondeductible annual contributions in year 2009 of up to $4,000 ($8,000 for married couples) using a variety of investments.
- All capital appreciation and earnings grow without current taxation until funds are withdrawn.
- Flexible way to plan and build substantial retirement income because you control the specific investments made.
- Investments can be changed at your discretion.
- People age 50 or older in year 2009 can deposit an additional $500.
Retirement Landscape
"Retirement security in a changing world."A complete and comprehensive Financial Review includes the following:
- Investment Allocation Review
- Retirement Security Review
- Estate Planning Review
- Life Insurance Needs Review
- Children's Education Review
- Income Tax & Cash Flow Review
401k
- Employer sponsored program.
- Funded by employee salary deferrals.
- Pre-tax investing.
- Mutual funds or self-directed investing.
Simple IRA
- Employer sponsored program (less than 100 employees).
- Funded by employee salary deferrals.
- Pre-tax investing.
- Mutual funds or self-directed investing.
