INDIVIDUAL RETIREMENT ACCOUNTS

The Institution for Savings has retirement options with guaranteed returns and no risk to help finance your retirement. Our retirement specialists can help you select the retirement plan that best suits your financial situation. You can start a new retirement plan or roll over an existing plan to the Institution for Savings. We'll take care of everything, including:

* Custodian/Trustee transfers * Direct rollovers * Automatic distributions

Traditional IRA

• Tax-deferred growth
• The possibility of tax deductible contributions
• Penalty-free distributions for higher education, first-time home buyers, certain major medical expenses, and certain health insurance premiums.

Roth IRA

With a Roth IRA you will enjoy:

• Tax-free growth
• Penalty-free withdrawals after 5 years, and age 59 1/2
• Penalty-free withdrawals of principal anytime.
• Penalty-free distributions for first time home purchase and qualified education expenses.

Additional IRA Options

The Institution for Savings also offers:

• Education IRA
• SEP (Simplified Employer Plan) IRA

There are income restrictions and qualifying criteria for each type of IRA. Call us for more information.