Pursue your best life in retirement with one of our retirement account solutions.
Tax advantages as you grow your retirement savings1
Discuss your investment options with a complimentary consultation 与中心财务顾问联络 available through CUSO Financial Services, L.P. (CFS)2
Choosing deposit products offers a guaranteed return on principal, federally insured up to $250,000
Competitive tiered rates with no-to-low minimum balance requirements
Get guidance on which investment solutions might best fit your retirement needs. Schedule a complimentary meeting with any of our experienced CUSO Financial Services, L.P. (CFS) 财务顾问.3 We’ll talk with you about your goals and interests, 找出你的财务状况, and get you started on a path that works for you.
You can open and fund one without employer participation.
Contributions/earnings are tax-deferred until retirement.1
Depending on your plan participation and income, you may benefit from tax deductions.
Your funds are always available, which is generally not true of employer plans.
没有最低捐款要求.
The main difference between them is when you pay taxes.1
A 传统的爱尔兰共和军 是否递延纳税?. This means that you can contribute money before it’s taxed, and you don’t owe taxes on those contributions or your earnings until you withdraw the money. It’s likely that you will be earning less when you begin to withdraw from your 爱尔兰共和军, which means that you may end up being in a lower tax bracket and paying less overall in taxes.
A 罗斯爱尔兰共和军 is not tax deferred, which means you owe taxes when you contribute the money to the account. But that means you won’t have to worry about paying them later and your contribution can grow tax-free. Withdrawals of contributions and earnings are tax free if your account has been open at least five years, 你至少59岁半了.
A 罗斯爱尔兰共和军 conversion is when you take savings from a Traditional, SEP或SIMPLE 爱尔兰共和军, or qualified employer-sponsored retirement plan (QRP), 比如401(k), 然后转到罗斯个人退休账户. Once you convert to a 罗斯爱尔兰共和军, it can’t be undone.
在转换的时候, you will pay the appropriate taxes due on before-tax dollars converted; the 10% additional tax does not apply on the amount converted.
The benefits of tax-free income in retirement may justify the conversion.
Your tax advisor is always the best person to discuss your specific situation and provide guidance for your situation.
We want to help you invest your money wisely. Schedule a complimentary meeting with any of our experienced CUSO Financial Services, L.P. (CFS) 财务顾问. We’ll talk with you about your goals and interests, 找出你的财务状况, and get you started on a path that works for you.
1 Consult tax advisor about 爱尔兰共和军 tax advantages.
2 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (CFS), a registered broker-dealer (Member 美国金融业监管局/SIPC) and SEC Registered Investment Advisor. 透过中心提供的产品: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. 帕特尔科信用合作社 has contracted with CFS to make non-deposit investment products and services available to credit union members.
Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. 应对, 或与…接触, residents of other states will be made only 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.
3 Certified Financial Planner Board of Standards Inc. 拥有CFP认证标志®, Certified Financial Planner™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
