Retirement Planning Retirement Planning is an important step in an individual’s life. Hard work and long hours throughout your life should pay off. We help you plan for retirement and create a plan for the milestones in your life leading up to, and during, your retirement. We consider your financial situation and work with you to determine long term goals. We want you to enjoy retirement and have a smooth transition.An Individual Retirement Account (IRA) is a government sponsored tax deferred retirement plan. We have many options for retirement savings from Simple IRAs, Rollover IRAs, Roth IRAs, and SEP IRAs. Our advisors will find the best option for you.We offer many types of retirement accounts that we can help you establish. Below are a few of the most popular retirement accounts we offer: Call Today To Schedule An Appointment!208-529-6643 _________________________________________________________________________ Traditional IRA IRA's all have very similar qualities about them. Traditional IRA's are different by being a tax-differed investment. To be tax-differed simply means that you can invest in your Traditional IRA before you are taxed. When you contribute some of each paycheck to your Traditional IRA, you will be taxed on what is leftover. When you eventually retire, you will be taxed on your withdrawals. So you can enjoy a lifetime of tax-differed savings! Learn more _________________________________________________________________________ Roth IRA Roth IRA's are a retirement account that is after-tax contributions. This allows for you to contribute to your account after you have been taxed. Contributions are not tax-deductible and you do have limitations on how much you can contribute annually. However, when retirement rolls around, you will not be taxed on your withdrawals.Some IRA’s have contribution limitations and tax consequences for early withdrawals. For complete details, consult your tax advisor or attorney. Distributions from traditional IRA’s and employer sponsored retirement plans are taxed as ordinary income and, if taken prior to reaching age 59 ½, may be subject to an additional 10% IRS tax penalty. Converting from a traditional IRA to a Roth IRA is a taxable event. A Roth IRA offers tax free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal or earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59 ½ or due to death, disability, or a first time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes. Learn more _________________________________________________________________________ Let's Get Started On Your Retirement Planning! What Questions Do You Have? Name Email Address Phone Question Thank you! Oops!