Individual Retirement Accounts (IRAs)
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Traditional IRA
A traditional IRA is an individual retirement account that allows you to save for retirement with tax-deferred earnings, so you won’t owe income taxes until you make withdrawals.

Roth IRA
A Roth IRA is also an individual retirement account, but there’s a big difference. Contributions to a Roth IRA aren’t tax-deductible. The money you contribute can be withdrawn at any time tax- and penalty-free. If you qualify, you can withdraw the earnings tax-free also. This means if you find yourself in a financial pinch, you can withdraw what you’ve put in (not what you’ve earned) without penalty.
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Northeast Credit Union ("Financial Institution") provides referrals to financial professionals of LPL Financial LLC ("LPL") pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.
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Securities offered through LPL Financial (LPL), a registered broker-dealer, member FINRA/SIPC. Investment Advisor Representatives conducting business as Northeast Wealth Advisors (NWA) offer investment advisory services through LPL, a registered investment advisor. Insurance products are offered through LPL or its licensed affiliates. Northeast Credit Union (NECU) and NWA are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using NWA, and may also be employees of NECU. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, NECU or NWA. Securities and insurance offered through LPL or its affiliates are:
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