Relax. Make a plan.

Prepare for a comfortable retirement, or reach other major financial goals, with the help of an Individual Retirement Account.

Traditional IRA

  • Account can be opened and funded with contributions based on your earned income and age.
  • Contributions may be tax-deductible1, and earnings are tax-deferred until withdrawn.
  • Funds are always available, something not generally true of employer plans.
  • No minimum contribution required in any year.
  • Rollover and transfer contributions1 are available.

Roth IRA

  • Contributions are not deductible, but earnings grow tax-free.
  • Higher income ceiling for contributions than Traditional IRA.
  • Contributions allowed in addition to your 401(k) plan.
  • Ability to withdraw contributions without penalty at any time.
  • Rollover and transfer contributions1 are available.

Coverdell Education Savings Account

  • Tax-free earnings.
  • Ability to invest up to $2,000 per year per child.
  • Penalty-free withdrawals for elementary, secondary and higher education expenses.
  • Account can be transferred if child does not attend an institution of higher education.
  • Contributions can be made by almost anyone.
  • Rollover and transfer contributions1 are available.

1 Seek tax advice.

Relax. Consolidate your IRA.

If you’re changing jobs, involved in a layoff or retiring, you will have to carefully weigh your options as you make decisions about money in a 401k or other retirement plan. The decisions you make with these retirement accounts affect you long after you have adjusted to a new career, job or retirement.

Our Financial Consultants with Founders Investment Services can help you determine:

  1. Which investment choices are appropriate for your age, risk tolerance and objectives.
  2. How you may be able to save for your retirement above and beyond an IRA Rollover.
  3. Which rollover options best meet your needs.
  4. How your choice of savings plans will affect the options available to your beneficiaries.

Take advantage of the expertise offered by Founders Investment Services.


Securities and financial planning offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. Insurance products offered through LPL Financial or its license affiliates. Founders Federal Credit Union, Founders Financial Group and Founders Investment Services are not registered broker/dealers and are not affiliated with LPL Financial.

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