Traditional IRAs are powerful tools in creating a balanced, long-term savings plan that will help provide safety and security for you and your family for years to come. Contributions may be deducted from your taxable income*, reducing the income taxes you pay now.

Choose a Traditional IRA if you want the tax deduction* right now. It also makes sense if you anticipate paying taxes at a significantly lower rate in retirement.

A Roth IRA offers you an easy and safe way to plan for the future. Your contributions are not tax-deductible*, but the earnings within a Roth IRA are tax-free* as long as your funds have been in the account for at least five years and you are either over age 59½, disabled, or buying your first home.

Choose a Roth IRA if you don’t need the tax break right now. It’s a more flexible investment because you can withdraw regular contributions at any time, tax-free* and penalty-free. Plus, there’s no mandatory distribution at age 70½.

Start planning your child’s future today! The purpose of this account is to provide a tax advantage* savings account for education expenses. The plan allows after-tax contributions of $2,000 per year for each child until they reach the age of 18. These contributions and their subsequent earnings are tax free* when withdrawn to pay for qualified education expenses including, tuition, fees, books, supplies, and equipment.