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Retirement Planning
Make Smart Choices for Your Future
It's never too early - or too late - to develop a plan that will carry you to a comfortable retirement.
First PREMIER can help you navigate the road ahead to meet your financial goals.
Planning for Retirement
We can assist with 401(k) rollovers, Individual Retirement Accounts (IRAs) more. An IRA is a tax-efficient way for you to save, and allows your money to grow tax free while it's in the account. The type of IRA you choose will depend on your age, income and financial goals. You can also visit the IRS for more information.
Which IRA Is Best For You?
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Traditional IRAMake contributions with money that you may be able to deduct on your tax return. Earnings would grow tax-deferred until retirement withdrawal. |
Roth IRAMake contributions with money on which you've already paid taxes. Funds can potentially grow tax-free until retirement when certain conditions apply. |
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TAX BENEFITS | Tax-deferred growth with tax-deductible contributions. | Tax-free growth with tax-free qualified withdrawals. |
CONTRIBUTION RESTRICTIONS | Contribute until you're 70½. | Contribute at any age |
INCOME REQUIREMENTS | Income does not determine how much you can contribute | Income impacts how much you may contribute |
WITHDRAWAL TAXES | Pay taxes when you withdraw pre-tax contributions and/or when you withdraw any earnings. | No taxes when you withdraw your contributions or earnings, as long as the five-year aging requirement has been met. |
EARLY WITHDRAWAL PENALTIES | Making withdrawals before age 59½ may result in a 10% penalty. | Make withdrawals before you're 59½ and you may pay taxes on your earnings plus a 10% additional tax. |
Traditional IRAMake contributions with money that you may be able to deduct on your tax return. Earnings would grow tax-deferred until retirement withdrawal. |
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Roth IRAMake contributions with money on which you've already paid taxes. Funds can potentially grow tax-free until retirement when certain conditions apply. |
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Need to Roll Over Your Account?
Planning for Retirement
Learn More
Are you planning for retirement? Our interactive module will help you plan today for the life you want in retirement.
We are here to help you:
- Transfer assets from your former employer's retirement plan (401(k), profit-sharing plan, etc.)
- Choose a traditional IRA or a Roth IRA
- Keep your savings tax-deferred
Choose Your Next Step:
We have several funding options with varying levels of planning and support based on your needs. We also offer easy online and mobile access to your accounts. Choose a link below to get started.
- Start with a savings account or CD to build your nest egg in an FDIC insured environment. Contact one of our Personal Bankers to get started.
- Get full financial planning and investment support, including professional portfolio management from our Wealth Management Team.
- Opt for easy investing and let our Brokerage Services Team help you select from an array of investment options with turnkey online access.1
Disclosure
{1} Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are:
- Not FDIC/NCUSIF insured
- May lose value
- Not financial institution guaranteed
- Not a deposit
- Not insured by any federal government agency.
Check the background of our investment professionals on FINRA’s BrokerCheck
Click here to view Cetera Investment Services Privacy Policy, other Important Information and Business Continuity Plan.
This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site or visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.
