Retirement Planning

Features	Traditional IRA	Roth IRA
Often recommended for members if:	You have a higher income right now and think you will be in a lower tax bracket when you are retiring.	Your tax bracket at the time of retirement is going to be higher than at the time of contribution.
Potential Advantages	Tax-advantaged personal savings plan where contributions may be tax deductible.*	Tax-advantaged personal savings plan where contributions are not deductible but qualified distributions may be tax free.*
What are qualified distributions?	Available for withdrawal without the 10% penalty from the IRS at age 59 ½.	Qualified withdrawals from the account, not subject to the 10% early withdrawal fee, are those made after age 59 ½ and five years have gone by since you made your first contribution. This is known as the “five-year rule”.
Are minimum distributions required?	Yes, upon reaching age 70 ½.	No.
Should I speak to an advisor about the best plan for me?	Yes!	Yes!
	Schedule an Appointment	Schedule an Appointment

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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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Retirement Planning

Planning today to be ready for tomorrow.

Is an Invested IRA Right For You?

Ready To Make a Plan?

Connect with a Northeast Wealth Advisor.

Retirement Planning

Planning today to be ready for tomorrow.

Is an Invested IRA Right For You?

Ready To Make a Plan?

Connect with a Northeast Wealth Advisor.

Important Information