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Roth IRA's

Start a Traditional IRAA Roth IRA allows individuals to contribute after tax contributions in exchange for future tax free withdrawals. Additional information can be found at IRS.gov.
 

Roth IRA's at a Glance
 

"The best way to start a savings program today is with a Roth IRA"
  - Suze Orman
  Nationally recognized financial expert
 

 

Eligibility  

No age restrictions, but you must have earned income in order to make Roth IRA contributions. Maximum Roth contribution for tax year 2012 is $5,000 ($6,000 if over age 59 ½). You can contribute to a Roth IRA anytime during the year up until the tax deadline.

     
Tax Advantages  

Roth IRA’s have the potential to earn tax free growth!

     
Offered By  

Roth IRA’s are offered by banks & credit unions, brokerage houses, mutual fund carriers, and insurance companies.

     
Withdrawals  

Roth IRA contributions may be withdrawn at any time without taxes or penalty; earnings may be withdrawn tax-free and penalty free once you reach age 59 ½ and the account has been open for at least 5 years. Earnings may be subject to taxes and penalties if distributed before age 59 ½ and before the account is 5 years old.

     
RMD  

Roth IRA’s do not have RMD’s - Required Minimum Distributions