
Why IRAs. Why now.
Because IRA's can be a powerful tool for long-term financial goals.

Retirement Goals
Powerful tool for long-term financial goals.

Compound Interest
Interest compounds year-over-year, making a significant difference in overall retirement savings.

Tax Deferred
Depending on the IRA, clients can defer taxes on the money going in now or have tax free withdrawal of the money coming out later if Roth rules are met.

Lower Adjusted Gross Income
A tax-deductible IRA contribution lowers adjusted gross income (AGI), which is used to calculate certain itemized tax deductions, as well as your client's tax rate.

Consolidation of Retirement Accounts
Explain the benefits of consolidating their qualified accounts into an IRA to protect their retirement, and of continuing to contribute to their retirement.
Who Do You Know That Fits the Following Profiles?
Payroll Deduction IRA
The Payroll Deduction IRA is probably the simplest retirement arrangement that a business can have. No plan document needs to be adopted under this arrangement.
The basics
- Employees make all the contributions. There are no employer matching contributions
- Contributions are made with a payroll deduction each pay period by the employer
- Employees are always 100 percent vested, the IRA belongs to the employee, not the employer
- Low administrative costs
- No filings with the government to establish the program or any annual reports
- No minimum number of employees required
- Employees choose to participate and choose how much they want deducted from their paychecks and deposited into the IRA
- Choice of before tax contributions (Traditional IRA) or post tax contributions (ROTH IRA)
- Traditional IRA may offer tax advantages on the money contributed and the earnings on the contributions are tax-deferred
- ROTH IRA contributions are after-tax, and earnings are tax-free
May work well for a client who…
- Wants to offer employees a retirement plan, without an employer match
- Needs a low administrative cost plan without government filing or annual reporting requirements
- Lives in a state that will be mandating auto-enroll IRAs for all private sector employees
Marketing Material and Forms
SIMPLE IRA (Savings Incentive Match Plan for Employees)
For employers with less than 100 employees seeking to make contributions toward their employees' retirement.
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The basics
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May work well for a client who…
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Marketing Material and Forms
SEP-IRA (Simplified Employee Pension)
For small business owners seeking retirement benefits and a business tax deduction.
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The basics
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May work well for a client who…
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Marketing Material and Forms
Traditional IRA: Pre-Tax Contribution
For clients seeking tax-deferral on contributions and a tax deduction.
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The basics
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May work well for a client who…
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Roth IRA: Post-Tax Contribution
For clients seeking tax-free withdrawals in retirement.
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The basics
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May work well for a client who…
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Marketing Material and Forms
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For clients who want to optimize IRA assets beyond their own retirement to leave a lasting legacy. |
Marketing Material and Forms
Types of IRA Rollovers
- Payment made directly to another retirement plan or to an IRA.
- The administration may issue the distribution in the form of a check made payable to the client's new account.
- No taxes will be withheld from the transfer account.
- Payment directly from the IRA to another IRA or to a retirement plan.
- No taxes will be withheld from the transfer amount.
- Distribution is paid directly to the participant.
- Participant can deposit all or a portion of it in an IRA or retirement plan.
- Taxes will be withheld from a retirement plan distribution; client will need to use other funds to roll over the full amount of the distribution.
Presentation Kits
In each of the following plug-and-play presentation kits, you will find a ready-to-use presentation, call prompts, social media posts, and registration emails.
Consumer Emails
Emails can be found on the Agent Portal » Marketing » Prospecting Materials.
Social Media Posts
Affiliated Agents: Find these posts in Hearsay Social.
Independent Agents: Follow our Do Good. Be Good. Make Good. social media accounts on LinkedIn, Facebook, Twitter, and Instagram for posts.