Traditional IRA
Contributions may be deductible depending on income, filing status, and workplace-plan coverage. Withdrawals are generally taxed as income.
Review the questions →RETIREMENT, MADE PERSONAL
Build a future you can see yourself living.
Retirement planning is more than a target number. It is a thoughtful way to connect your income, savings, investments, timing, and the life you want to support when work becomes optional.
Long-term perspectiveIRA educationClear next steps
A LONGER VIEW
Retirement confidence is built in chapters.
Start with the life you are preparing for, then work backwards through savings, employer plans, individual accounts, investment mix, taxes, and the income you may need later.
Rules and tax treatment depend on your circumstances. The information here is educational and should be checked with a qualified tax or financial professional.
IRA GUIDE
Two familiar IRA paths. One important conversation.
Traditional and Roth IRAs can both support retirement saving, but they differ in when contributions and withdrawals may be taxed.
Roth IRA
Contributions are made with after-tax dollars. Qualified withdrawals may be tax-free, subject to IRS rules and eligibility requirements.
Understand eligibility →Rollover conversation
When changing jobs, compare the choices for an old workplace account, including fees, investment options, and tax consequences.
Ask about next steps →MAKE THE PLAN PRACTICAL
Small actions can give the future more room.
START WHERE YOU ARE
Turn a broad ambition into one next action.
Review an account, set a contribution, name a goal, or gather the information you need for a useful conversation.
KEEP IT CURRENT
Let life changes update the plan.
Career moves, family changes, health, and timing can all change the retirement income picture.
PLAN FOR LIFE
Retirement is an outcome, not only an account.
Think about housing, healthcare, travel, family support, purpose, and the flexibility you want to preserve.
IRA ELIGIBILITY, IN PLAIN LANGUAGE
What to check before you contribute.
Taxable compensationIRA contributions are generally limited by annual limits or your taxable compensation, if lower.
Traditional IRA deductionDeductibility can depend on income, filing status, and whether you or your spouse has a workplace plan.
Roth IRA income rulesDirect Roth contributions can be limited or phased out at higher modified adjusted gross income levels.
Contribution coordinationThe annual limit applies across your traditional and Roth IRAs combined, excluding eligible rollovers.
2026 FEDERAL LIMIT$7,500
$8,600 if age 50+
$8,600 if age 50+
The IRS says the 2026 total contribution limit for traditional and Roth IRAs is $7,500, or $8,600 for people age 50 or older, subject to taxable compensation limits and applicable rules.
Verify current IRS guidance →RETIREMENT CONTRIBUTION GUIDE
See how regular saving can build momentum.
Use this simple illustration to explore contributions over time. It is not a forecast and excludes fees, inflation, taxes, and changing returns.
Investments can lose value. Account rules, tax treatment, withdrawal penalties, and eligibility vary by product and personal circumstances.
QUESTIONS TO BRING
Retirement planning rewards good questions.
Can I have a workplace plan and an IRA?+
Yes, participating in an employer plan does not automatically prevent IRA contributions, though it can affect Traditional IRA deduction eligibility and Roth IRA income eligibility.
What is a rollover?+
A rollover moves eligible retirement assets from one account to another. Tax treatment and timing matter, so confirm the process before moving money.
When should I start?+
There is no universal starting age. Begin with your goal, current commitments, available contribution, and the time you have for the plan to work.
START WITH A CONVERSATION
Bring your future into focus, one question at a time.
Our team can explain available information and the next appropriate step. An enquiry is not tax advice, investment advice, or a guarantee of retirement income.
Contact the retirement team ↗