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Individual Retirement Accounts

Let us help you pursue your retirement goals.

Traditional IRARoth IRA


If you’re not taking advantage of an IRA, you may be missing out on an opportunity to accumulate tax-deferred monies, that you will be able to enjoy during retirement. We encourage our members to look ahead and plan for a strong financial future. 

Traditional IRA

Best suited for you if:

  • Deductible contributions are more important to you than tax-exempt distributions
  • You would like to supplement your retirement savings in addition to your employer's retirement plan
  • You do not contribute to another IRA or you want to split contributions between a Traditional IRA and a Roth IRA

Features of a Traditional IRA:

  • Tax-deferred growth potential
  • Penalty-free withdrawals for post-secondary education
  • Penalty-free withdrawals for first-time home expenses (up to $10,000)
  • Penalty-free withdrawals for certain medical expenses

Roth IRA

Best suited for you if:

  • Your modified adjusted gross income is less than $160,000 for married taxpayers or less than $110,000 for single taxpayers
  • You have earned income
  • You want to continue to make contributions after age 70 while working
  • You don't want to take mandatory withdrawals after age 70
  • You prefer to have tax-exempt funds available at retirement
  • You do not contribute to another IRA or you want to split contributions between a Traditional IRA and a Roth IRA

Features of a Roth IRA:

  • Earnings can grow tax deferred
  • Qualified distributions are income tax-free and penalty-free after a five-year holding period if taken after age 59 1/2,
  • Qualified distributions are tax-free and penalty free after a five year holding
  • Qualified distributions are tax-free and penalty free if taken in the event of death or disability
  • The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change. 

Contact Us Today.

For more information please contact a Northeast Investment and Insurance Services Representative at 603-422-9953.

*Distributions must qualify as exception for penalty-free withdrawals.
Northeast Investment & Insurance Services
100 Borthwick Ave
PO Box 629, Portsmouth, NH 03802
Phone (603) 422-9953 | Fax (603) 422-9863 | Email
Securities and Advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC. Insurance products offered through LPL Financial or its licensed affiliates.

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AZ, FL, MA, ME, NH, OH, RI, SC, TX.


Check the background of investment professionals associated with this site on FINRA’s BrokerCheck