INDIVIDUAL RETIREMENT ACCCOUNTS

Helping you save for the future.

IRAs are investment vehicles with particular tax advantages that can help you save for retirement.

Traditional IRA

Provided you meet the eligibility requirements, a traditional IRA offers the immediate benefit of tax-deferred contributions. It also provides the long-term benefit of a tax deferral on earnings. This means you pay no taxes on your investment earnings until you begin making withdrawals, which is usually after you retire and are in a lower tax bracket.

Roth IRA

Contributions to a Roth IRA are not tax deductible, but if you meet certain requirements all earnings are tax-free when you, or a beneficiary, withdraw them.

SEP-IRA and SIMPLE-IRA

SEP (Simplified Employee Pension) and SIMPLE (Savings Incentive Match Plan for Employees) plans offer tax advantages that help small business owners, their employees, and self-employed individuals save and invest for retirement.

First Command retirement planning for military members and their families

ANNUITIES

Providing a steady stream of income.

Annuities offer two distinct retirement-planning benefits: They can provide a guaranteed stream of income 1 and don’t require you to pay taxes on earnings until you begin withdrawals in retirement (withdrawals made prior to age 59 1/2 may be subject to a tax penalty).

VIEW TYPES OF ANNUITIES

Common Retirement Planning Questions

COACHING CENTER
Tools & Advice

1. Guarantee depends on the claims-paying ability of the issuing insurance company.