Individual Retirement Accounts (IRAs)

It's never too early or too late to plan and save for retirement. Still, the closer you get to retirement, the tougher it becomes. With the hectic lives people live today, an easy, less time-consuming retirement investment is what they need. The solution is an individual retirement account (IRA).

In 1998, the Internal Revenue Service (IRS) made it easier to contribute to an IRA. Your employer may allow you to contribute to a Traditional or a Roth IRA through direct deposit & payroll deduction. In addition, employees making direct deposits of deductible contributions to a Traditional IRA may be able to adjust their federal income tax withholding to receive a more immediate tax benefit from their contributions. Visit the IRS website for more information (http://www.irs.gov/).