Retirement

Grow your money

Do I need an IRA? When do I need to start saving for retirement? How much do I need to save to live comfortably when I retire? These are all questions a knowledgeable financial professional can help you answer when creating a plan to save for retirement. A professional will give you the 411 on Traditional and Roth IRAs along with Social Security and 401(k) plans. Meet with a professional to help you financially prosper in retirement. 

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Traditional and Roth IRAs

It's never too early to start planning for retirement.

The benefits of investing in a Traditional IRA may include tax-deferred earnings and, for many people, tax deductibility. Roth IRAs are nondeductible accounts that feature tax-free withdrawals for certain qualified distribution reasons.

Speak with a HAPO representative to open an IRA, or talk with a financial professional to learn more about your options.  

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Traditional IRA

Meet the eligibility requirements and you can deduct contributions to a traditional IRA from your federal taxable income, as well as from your taxable income in most states. This up-front tax break reduces the current income taxes you owe.

Learn About IRAs
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Roth IRA

Roth IRAs are nondeductible accounts that feature tax-free withdrawals for certain qualified distribution reasons. There are rules, and they can be complex, so speak with a financial professional about your Roth IRA contributions.

More About IRAs
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Rollover and Inherited

An experienced financial professional can help you understand inherited IRAs and highlight the different types of "rollover" options available to you. They can also provide guidance when you need to rollover your retirement plan into another IRA.

About IRA Accounts

*The MEMBERS Financial Services program is offered through CUNA Brokerage Services, Inc.*, a broker/dealer focused on serving credit union members. CUNA Brokerage Services, Inc. is an affiliate of CUNA Mutual Group. For more information about CUNA Brokerage Services, Inc., please visit cunabrokerage.com.

Representatives are registered, securities sold, professional services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment professional, D/B/A MEMBERS Financial Services Financial Planning and Investment Services, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC Insured, May lose value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America.

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