IRAs

IRAs
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Summary

Rollover


This option allows the transfers of funds from 401(k) retirement accounts to be rolled into an Individual Retirement Account.


Roth

An IRA that does not offer tax deductions on contributions. However, interest earnings are tax free upon withdrawal. Also allows principal contributions to be withdrawn without penalty.


Traditional


This IRA offers immediate tax savings since contributions are tax-deductible from current annual returns. Interest on earnings does not incur taxes until it comes time for withdrawal.


SEP

A Simplified Employee Pension Individual Retirement Arrangement (SEP IRA) allows employers to make tax-deductible contributions to their employees' and their own retirements. Open to businesses of any size.


SIMPLE


A Savings Incentive Match Plan for Employees Individual Retirement Account is an employee-provided retirement plan. Similar to a 401(k) plan, this account may be funded with pretax salary reductions, but contributions are subject to tax. Unlike a 401(k) and other employer-provided retirement plans, this account has lower annual contribution limits and requires a minimum contribution from the employer. Available for employers with 100 or fewer employees.*



* An employer who has already established a SIMPLE IRA may continue to be "eligible" for two years after crossing the 100 employee limit.


DISCLOSURE


Securities and advisory services offered through Cetera Advisor Networks, LLC, member FINRA/SIPC.
Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency. Cetera is under separate ownership from any other named entity.

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Investment products and services from this representative(s) available only to residents of Minnesota (MN).