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With the investment options available to today’s retirees and pre-retirees, the right decision isn’t always clear.
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Here’s a look at the investment options we can help you implement in your investment portfolio.


An individual retirement account (IRA) is a financial tool used to accrue savings during your working years. There are a variety of IRA options, but Roth and traditional are the most common. IRAs can vary in terms of contribution limits, taxes and withdrawal rules, but the benefits remain the same:1

  • Consistent savings during your working years
  • The ability to limit your tax bill
  • Investment options
  • A variety of IRA options to match your financial and employment situation

What is a Roth IRA?

Roth IRAs are tax-advantaged savings accounts that are funded with after-tax dollars, meaning you can make tax-free withdrawals during retirement. These are ideal if you predict higher taxes in retirement; however, you can’t contribute to a Roth if your income is above a certain level. In 2019, the cut-off for singles was $137,000 in annual income; for married couples, it was $203,000.2

Roth Conversions

If you have money in a traditional IRA that you’d like to move to a Roth, consider a conversion (also referred to as a rollover). This involves moving money from your traditional account to a Roth. Conversions are a common solution for pre-retirees in need of diversified savings.
A Roth Conversion is a taxable event and may have several tax related consequences. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.

Mutual Funds

Mutual funds are collections of money from investors that are invested in securities like stocks and bonds. These funds are operated by money managers whose job is to grow the fund and produce additional capital gains and income for investors; gains and losses in mutual funds are proportionate to your investments.

1 https://www.nerdwallet.com/article/investing/learn-about-ira-accounts

2 https://www.investopedia.com/terms/r/rothira.asp

3 https://www.irs.gov/publications/p969



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