
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.
Take a look at the four most common types of IRAs and identify your clients for whom they may work well.
Types of IRAs
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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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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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.
Emails
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Social Media Posts
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IRA guidance from the IRS
More about Our Annuity Line Up |