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Retirement Planning
Plan for your retirement goals now. We offer a variety of plans at UCB Investment Services, Inc.:
- Traditional IRA
Contributions to a Traditional IRA are tax-deferred. You can invest your funds in a wide range of stocks, bonds and mutual funds. - Roth IRA
Contributions to a Roth IRA are not tax-deductible. Instead, taxes are paid in the year you make the contributions. If certain requirements are met, the earnings may be withdrawn tax free. - Rollover IRA
To avoid potential taxes and penalties after you change or leave your employer, transfer your 401(k) or other employer-sponsored retirement plans directly into a Rollover IRA, where earnings accumulate tax-deferred. - Employer plans
Whether you are self-employed or run a small business with employees, you have several choices to meet your retirement account needs.- Simplified Employee Pension Plan (SEP) - for self-employed individuals and owners of small companies.
- Savings Incentive Match Plans for Employees (SIMPLE) - for employers with 100 or fewer employees.
- Keogh plan - for self-employed individuals, including sole proprietors and partnerships.
- 401K and Profit Sharing Plan - typically for corporations with 25 or more employees.
Note: UCB Investment Services, Inc. does not provide tax advice. The information provided herein is for reference only. Please consult with your personal tax advisor before making any investment decisions.
