IRA Advisors

Traditional IRA
Retirement savings plans for individuals, designed to be tax-deferred at contribution time. Once withdrawals start, contributions and earnings subject to tax.
ROTH IRA
Similar to Traditional IRA, but contributions are not tax-exempt; however at withdrawal time, no taxes are paid on the contributions or earnings. The question for investors is 'Do I want to avoid taxation now, or at retirement?'
Education IRA
Established to pay for a child's education, contributions are not tax-exempt but earnings are tax-free if withdrawals are made to pay for qualified education expenses.
SEM IRA
Simplified Employee Pension. Solely funded by employer contributions and available to the self-employed and employees of small business. Often preferred over Keogh plans due to relaxed administration requirements, up to 15% of compensation can be contributed under these plans.
SIMPLE IRA
Employer sponsored plan that allows individuals to contribute up to $6,500 per year. Ideal for proprietorships and employees of small businesses.
Spousal IRA
Both members of a married couple can have an IRA, even if one doesn't work. Contributions can be to either Traditional or ROTH IRA. Certain age, contribution limits and eligibility rules apply. Couples will need to file a joint tax return

Need more information about choosing and managing your IRA?
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