Traditional IRAs
A Traditional IRA is an easy way to save for your future.
When other retirement plans or financial resources fall short, a Traditional IRA can be a valuable retirement savings tool. With so many incentives for placing your money in an IRA, including multiple tax advantages, a Traditional IRA may be just the right savings vehicle for you.

As long as you are under age 70 1/2 and earning income from personal services rendered, you can establish and contribute to a Traditional IRA.

ROTH IRAs
No need to fish for money during retirement when a Roth IRA can provide you with tax-free income – if you start saving today.
Setting aside money now in a Roth IRA is a great way to ensure tax-free income during retirement. As long as you are eligible, you can contribute to a Roth IRA and start taking advantage of its many benefits. Simply invest after-tax dollars and let the earnings accumulate tax-deferred. Later, if qualified, you can withdraw the money tax-free. That's the key advantage of owning a Roth IRA.

Benefits of a Roth IRA
Besides accumulating earnings and growing your savings, a Roth IRA offers several benefits.

• Independence from employer participation.
• Flexibility in choosing a financial organization, investment options, and contribution amounts.
• Accessibility of assets
• Ability to leave your assets to the beneficiary(ies) of your choice.
• No required minimum distributions
• Possible tax credit for the contribution
• Tax-deferred earnings
• Tax-free distributions if qualified

ROTH IRA Conversions
If you preciously earned too much to take advantage of tax-favored Roth IRAs, here's your chance.
Beginning January 1, 2010, the $100,000 income restriction that has prevented many people from taking advantage of Roth IRA conversions is being eliminated. All taxpayers will be able to move their Traditional IRA, SIMPLE IRA and retirement plan assets into a Roth IRA.