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                        IRA Account

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                        Meet Your Retirement Savings Goals with an IRA

                        Planning for your retirement is one of the most critical financial decisions you’ll make, and an IRA account is a powerful tool to help you reach your goals. Individual Retirement Accounts (IRAs), whether Traditional or Roth, offer unique tax advantages that can benefit you throughout your retirement journey.

                        At WEOKIE, we provide multiple IRA options to suit your needs, including IRA savings accounts and IRA certificates. Whether you’re interested in a Traditional IRA or a Roth IRA account, we can help you open an IRA that aligns with your financial and retirement goals. Our team is here to support you every step of the way, ensuring you make the most of your retirement savings.

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                        What is an IRA Account? An IRA (Individual Retirement Account) is a special type of retirement account that provides tax advantages to help you save for the future. There are two primary types of IRAs: Traditional IRA and Roth IRA. Each offers distinct benefits depending on your current income, tax situation, and long-term retirement goals.

                        • Traditional IRA: This type of IRA allows you to make IRA contributions that may be tax-deductible, depending on your income level and participation in other retirement plans like a 401(k). Your contributions grow tax-deferred until you make withdrawals during retirement. This can provide significant tax savings upfront, making it a popular choice for those seeking immediate tax relief.

                        • Roth IRA Account: With a Roth IRA, you make contributions with after-tax dollars. While you won’t get an immediate tax deduction, your earnings grow tax-free, and qualified withdrawals during retirement are also tax-free. This makes Roth IRA investments an excellent option for individuals who expect to be in a higher tax bracket in the future.

                         

                        How Can You Benefit? Opening an IRA account at WEOKIE offers numerous benefits that can enhance your retirement planning:

                          Traditional IRA1 Roth IRA1
                        Best Suited For Individuals seeking immediate tax benefits and expect to be in a lower tax bracket in retirement. Individuals expecting to be in a higher tax bracket in retirement or those who prefer tax-free income later.
                        Tax Treatment on Contributions2 Contributions may be tax-deductible, offering upfront tax savings. Contributions are made with after-tax dollars (no immediate deduction).
                        Tax on Earnings2 Earnings grow tax-deferred. Taxes are paid upon withdrawal. Earnings grow tax-free if certain conditions are met.
                        Tax on Withdrawals Taxed as ordinary income during retirement.  Penalty-free withdrawals begin at age 59 ½. Tax-free withdrawals during retirement if the account is 5+ years old and the account holder is 59 ½ or older, disabled, or a first-time homebuyer (up to $10,000).
                        Withdrawal Age Limit Required minimum distributions (RMDs) must begin at age 73. No required minimum distributions.
                        Contribution Limits3 Combined with Roth IRA, up to $7,000 per year (under 50), or $8,000 for those 50 and over. Combined with Traditional IRA, up to $7,000 per year (under 50), or $8,000 for those 50 and over.
                        Eligibility3 No income limits for contributions. Income limits apply; eligibility phases out at higher income levels.

                         

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                        IRA Certificate Accounts

                         

                        What is an IRA Certificate?

                        An IRA Certificate combines the benefits of a traditional IRA account with the fixed interest rates of a share certificate. It’s a savings tool designed for retirement that allows you to lock in a guaranteed interest rate for a set period, typically ranging from six months to several years. The longer the term, the higher the interest rate, helping your retirement savings grow consistently.

                        How Does an IRA Certificate Differ from Other Accounts?

                        • IRA Certificates vs. Regular IRA Accounts: While a regular IRA allows more flexibility in making contributions and withdrawals (subject to rules and potential taxes), an IRA Certificate locks in your funds for a fixed term. This can be a great option if you’re looking for steady, predictable growth in your retirement account without worrying about fluctuating interest rates.

                        • IRA Certificates vs. Regular Certificates: A regular certificate offers a guaranteed interest rate, but it’s not tied to retirement savings and doesn’t have the same tax advantages. With an IRA certificate, the interest earned is either tax-deferred (Traditional IRA) or tax-free (Roth IRA), depending on the type of IRA, providing additional long-term benefits for your retirement planning.

                        An IRA Certificate is ideal for those who want a more conservative, guaranteed growth option for their retirement savings while still benefiting from the tax advantages of an IRA retirement plan.

                         

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                        IRA
                        1 Additional account details may apply.
                        2 See your tax advisor for information.
                        3 Please view IRS Publication 590 for more information about income limitations at www.irs.gov or see your tax advisor for more information.