We can help you choose and invest in the IRA that is right for you.

Roth IRA

Potentially provides the most benefit for the most people, especially those with long time horizons.

Traditional IRA

Works well if you think you’ll be in a much lower tax bracket in retirement or your time frame is short before retirement.

Which IRA should I choose?

How the Roth IRA stacks up next to a Traditional IRA depends on many factors, including whether your contributions to a Traditional IRA are tax deductible. If you are eligible to choose between the Roth IRA and the Traditional Deductible IRA, consider choosing the Roth IRA unless:

• You need the immediate tax savings of the Traditional Deductible IRA
• You expect to be in a significantly lower tax bracket in retirement
• You need your money in less than five years and will be over age 59 1/2 at withdrawal

Roth Conversion IRA

Converting from a Traditional IRA offers you the opportunity to take advantage of the federal income-tax-free growth available in the Roth IRA. Ask one of our investment representatives or your tax advisors if a Roth IRA conversion is appropriate for your financial plan. Neither Cetera, nor any of its representatives may give tax advice.

Remember! Distributions taken prior to age 59 1/2 are subject to 10% penalty and/or taxes.

Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency. Cetera is not affiliated with the financial institution where investment services are offered. View Cetera Investment Services privacy policy and other important information. Financial Professionals are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States. Resource Investments is located at Resource Bank.