Retirement Planning

Plan for your retirement goals now. We offer access to a variety of plans at UCB Investment Services:

• 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 If certain requirements are met, the earnings may be withdrawn tax free.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.
  • 401K and Profit Sharing Plan - typically for corporations with 25 or more employees.

Note: UCB Investment Services 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.