RETIREMENT SAVINGS ACCOUNTS

Retirement Savings Services | Secure Your Future With Smart Planning

Build a comfortable retirement with strategic savings, tax-efficient planning, and professional guidance. We help you maximize contributions, reduce risk, and retire with confidence.

The Best Retirement Advice: Start Planning Sooner Than You Think

The best way to assure you have a comfortable retirement, is to select a retirement savings account/s that matches your retirement objectives – and start saving as much and as frequently as you can! Without such accounts to help you, or with the wrong type of savings accounts, you’ll likely find it extremely hard to meet your retirement savings goals.

Retirement Saving Couples looking at there Savings

Why Retirement Savings are Important

Saving for retirement is one of the most important steps in securing long-term financial stability. Even if retirement feels far away, consistently building your savings today ensures you have the resources to maintain your lifestyle, cover rising healthcare costs, and navigate unexpected life events later on. Without a dedicated retirement savings strategy, you may face financial stress during the years when stability matters most. By planning early, investing wisely, and reviewing your goals regularly, you create a strong foundation that supports your independence, protects your family, and gives you confidence in your financial future.

As you start planning to save for retirement, you’ll likely have many questions that you need answered:

When should I start saving?
How much should I save?
How much will I need for a “comfortable” retirement?
What’s the best vehicle for me to save for my golden years?
Which “pot” of retirement savings should I tap into first?

A well-prepared retirement minimizes financial stress and gives you confidence, stability, and peace of mind—so you can enjoy the future you’ve worked so hard to build.

WHAT WE CAN DO FOR YOU

Our Retirement Savings specialists will help address all of your questions. We’ll also help you make informed decisions about which types of savings vehicles are right to meet your particular retirement goals. Not all retirement savings accounts are designed the same. For instance, some have yearly maximum contribution limits, and others have planned distribution criteria associated with them. Violation of those rules can lead to IRS-imposed premature withdrawal penalties.

Our Retirement Savings Account specialists will help you navigate the plethora of saving options available to you, some of which include:

INDIVIDUAL RETIREMENT ACCOUNT (IRA)

Some IRA’s have contribution limitations and tax consequences for early withdrawals. Distributions from traditional IRA’s and employer sponsored retirement plans are taxed as ordinary income and, if take prior to reaching age 59 ½, may be subject to an additional 10% IRS tax penalty. Converting from a For complete details consult your tax advisor or attorney.

GROTH IRA ACCOUNT

Roth IRAs differ somewhat from traditional IRAs – which allows for tax-deferred growth of retirement savings - in that the money deposited into these accounts is from “after-tax” dollars. Subsequently, when you make withdrawals from your Roth account, you are not taxed. Additionally, your savings within the account also grow tax-free.

SIMPLIFIED EMPLOYEE PENSION (SEP) IRA

Some employees may have access to employer-sponsored SEP-IRA accounts. These are similar to traditional IRAs, and may sometimes use Annuities as a retirement savings vehicle.

SAVINGS INCENTIVE MATCH PLAN FOR EMPLOYEES (SIMPLE) IRA

This is yet another retirement saving plan available to working Americans saving for their retirement. SIMPLE-IRA plans mandate an employer-matched contribution, and are ideal for smaller business (less than 100 employees).

TRADITIONAL 401(K) OR ROTH 401(K) PLANS

Like individual and Roth IRAs, employers can offer staff traditional 401(k) plans or Roth 401(k) plans to their employees. In some cases, for instance where an employer matches 100% of your contribution to these retirement savings accounts, it might make sense to join the plan. However, the funds are invested at the discretion of the fund manager, and you (the employee) might have no say in those decisions. We’ll help you decide whether you should participate or opt out of these plans.

VALUE-ADDED SERVICES

We’ll not only help you choose the right retirement savings accounts for you, but we’ll ensure they are the most cost-effective and tax-advantaged for your particular situation. If you switch jobs, we’ll also advise you on whether it makes sense to Rollover, Stay, Move or Cash out from an employer-sponsored retirement savings plan.