Savings - Unity Oak Trust

Traditional IRA

Individual Retirement Accounts may offer tax advantages that help you achieve your future goals.

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Roth IRA

A Roth IRA may be for you if you expect your tax rate to be the same as it is today.

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Simplified Pension

This IRA plan allows business owners to provide retirement benefits to their employees.

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Traditional IRA

Traditional IRAs are generally a good option if you are eligible to make deductible contributions and expect your tax rate to be lower that it is today in retirement.

You are eligible if you have earned income and will be under the age of 70 ½ on December 31
Eligible for withdrawal at or after age 59 ½
Contributions may be tax deductible
Earning grow tax-deferred until withdrawn
Always consult a tax advisor

Roth IRA

If your income excludes you from getting a deduction for contributions a Roth IRA might be the right choice.

Earned Income Required
Contributions are not tax deductible and can be withdrawn tax free at any time
Earnings are tax free if over 59 ½ and account has been open 5 or more years
Income based contribution limits may apply
Always consult a tax advisor

Simplified Pension

A SEP IRA allows eligible employees and self employed individuals to benefit from all the advantages of a Traditional IRA, but with higher contribution limits.

Funds are invested tax deferred
Money contributed to the SEP IRA belongs to the employee immediately
The plan is established by the employer
Always consult your tax advisor

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