Individual Retirement Accounts (IRAs) are one of the most widely utilized answers to the question of how to assure a secure retirement.

Traditional IRAs

Traditional IRAs offer independence from employer-based retirement savings programs with contributions and earnings tax-deferred until retirement, accessibility to those invested funds, and flexibility with choice of investment and dollar amount invested.

Other benefits include the possibility of tax-deductions, easily moving the assets, and access to assets.

You should be aware of an IRAs Required Minimum Distribution (RMD) once you reach age 70 ½.

View more information about IRAs and retirement planning services available from Janney Montgomery Scott LLC.

Consult with your Financial Consultant for more details.

Roth IRAs

The Roth IRA gives you the ability to invest after-tax dollars today, let the investment grow tax-deferred, and take qualifying withdrawals tax-free.

Money you contribute to a Roth IRA has already been taxed. The principal amount is never subject to taxes or penalties in the future, as long as you stay within contribution guidelines.

This retirement plan allows the money you contribute to grow tax-deferred.   If you do not withdraw any of the earnings until you have had a plan for at least five years, and satisfy one of the qualifying events, those tax-deferred earnings become tax-free.

Roth IRA contributions vary dependent upon an individual's modified adjusted gross income (MAGI) and age.

For additional information on whether a Roth IRA is appropriate for your situation, contact your Financial Consultant.

We know you're thinking about your retirement.

So are we.

Our 2005 Investor Education Workshops are designed with your retirement in mind.  Join us to learn the latest retirement planning options and provide strategies for you to consider whether you are in the preparation, planning, management, or distribution stage of retirement.  These workshops are open to all types of investors.  We welcome your attendance at each workshop, if appropriate for your situation, for a complete understanding of how you can be in control of your retirement plan.