IRA

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When it comes to retirement planning, many people don’t look beyond their 401k for additional savings options.  I encourage clients to consider a diverse portfolio including a balance of mutual funds, 401k, IRA’s and more.  An IRA is an especially valuable investment tool to suit a variety of investment needs, yet many investors don’t consider them because they simply can’t figure them out. 

The fundamentals of an IRA are simple – it is a retirement investment option that can either be tax deferred until you withdraw the money or allow you to pay the taxes as you invest.  Yet the technical details of setting up an IRA and maximizing the return on your investment can be intimidating.  Some investors are concerned that an IRA will have a negative impact on their IRS refund.  Others don’t understand the differences between the IRA options, and opt out for fear of making a financial mistake.

I offer clients the specific IRA planning resources they need to make smart decisions about their IRA investments.  I will work with you to evaluate all of your retirement needs, help you set investment goals and take the mystery out of IRA investing.  
I know the right questions to ask to get your retirement planning on track:
  • Is an IRA the right tool for you?
  • Are your retirement assets still in a retirement plan with an employer you no longer work for?
  • When have you last reviewed the performance of your retirement accounts?
  • Do you understand the difference and implications between a Traditional IRA and a Roth IRA?
  • Are you familiar with IRA contribution limits?
  • Are you contributing enough to properly prepare you for retirement?

Talk to me before making any significant decisions regarding your retirement. I can help ensure that you are on the right track to enjoy your golden years.
IRA and Retirement Planning Tools

Retirement Calculator – a calculator that will help you compute your retirement savings goals

​Retirement FAQs 


IRS Forms for IRA Planning

Traditional IRA Rules - who can open one, how to open, how much can be contributed, & required minimum distributions

Roth IRA Rules - who can open one, how to open, how much can be contributed, required minimum distributions and more

IRA Contribution Limits ​
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This material is intended for general public use. By providing this material, Independence Planning Group is not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial professional for guidance and information specific to your individual situation. 
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Independence Planning Group is an Agency of The Guardian Life Insurance Company of America (Guardian), New York, NY.

Securities products and advisory services offered through Park Avenue Securities, LLC (PAS), member of FINRA and SIPC.

OSJ: 1767 Sentry Parkway West, Suite 200, Blue Bell, PA 19422 / (267) 468-0822

PAS is an indirect, wholly-owned subsidiary of Guardian. Independence Planning Group is not an affiliate or subsidiary of PAS or Guardian.

Important Disclosures


Please note that "FINRA," "SIPC," and "Important Disclosures" are hyperlinks.
GEAR no. 2017-49172 exp. 11/2019