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:
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
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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2021-12936 exp 11/2023