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Individual Retirement Accounts

Plan ahead with guaranteed returns

Get to know your IRA options

Predict your own future with an Individual Retirement Account from InRoads. Open yours today, start making regular deposits and watch your funds grow in a tax-advantaged* environment. Choose from a Traditional IRA for tax savings with every contribution, or a Roth IRA for tax-free earnings when you start taking withdrawals. There’s even an IRA Share Certificate option that allows you to put aside some of your funds from 12 to 36 months at a higher rate of return.

Roth IRA

  • Withdrawal of earned dividends is tax free after 5 years for ages 59½ and up
  • Penalty-free withdrawal options BEFORE you reach age 59½*
  • Pension plan distributions are tax free when made at retirement
  • $5,500 annual contribution limit
  • Additional $1,000 “catch up” contribution for ages 50 and up
  • No required distribution age

Traditional IRA

  • Penalty-free withdrawals can begin penalty-free for those age 59½ or older
  • Distributions may be taxed at the retirement-level income bracket
  • Possible tax deduction for qualified savers*
  • All earned dividends are tax-deferred
  • No set up or annual fees
  • $5,500 annual contribution limit
  • Additional $1,000 “catch up” contribution for ages 50 and up

Retirement Calculators

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Someday is not that far off . In today’s market, it’s essential to work with an advisor who can provide insight and guidance based on an understanding of your unique situation. Our professionals are here to offer that assistance and insight.

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  • These calculators are designed to be informational and educational tools only. They are not intended in any way as financial, retirement, business, tax or legal advice. The results of using these calculators are hypothetical only and may not be applicable or accurate with regard to your individual circumstances and cannot be relied upon. InRoads and its affiliates are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by these tools. Please consult with your financial, tax and/or legal advisors for advice regarding your personal circumstances.
  • *Consult your tax advisor.