Traditional & Roth IRA help
Your IRA.
Clear choices. Personal help.
An IRA is an individual retirement account, separate from the 403(b) offered through your employer. Have one already? I’ll help you understand its growth, costs, and access. Starting one? I’ll guide the account choice, eligible funding, and provider paperwork.
Our office offers fixed and fixed indexed annuities for eligible Traditional and Roth IRAs. The IRA sets the tax rules; the insurance contract sets the product features.
Talk with Eddie15-minute introduction · Phone or Zoom · No obligation
Choose your starting point
Review what you have.
Or put a new IRA in place.
Review an existing IRA
Understand how it grows, what it costs, and when you can use the money. I’ll help compare its current benefits and any market exposure with the insurance options we offer, including the reasons for keeping your account.
Talk about my existing IRAOpen your first IRA
Choose the account type and an eligible way to fund it. I’ll explain Traditional and Roth, help with beneficiaries and the application, and coordinate provider paperwork with you.
Talk about starting an IRAFirst, the account.
Then, how it grows.
An IRA is not an interest rate or an investment by itself. Traditional or Roth describes its tax treatment. The product inside it determines how the money grows, what it costs, and when you can use it.
- Traditional IRA
- Contributions may be deductible; taxable distributions are generally taxed as income. Deductibility can depend on income and workplace-plan coverage.
- Roth IRA
- Contributions are not deductible; qualified distributions are tax-free. Contribution eligibility and qualified-distribution rules apply.
- The product: growth, costs & access
- For the options we offer, we’ll compare fixed rates or index-linked crediting, renewal terms, rider costs, and withdrawal rules. Any change also means reviewing surrender charges, new restrictions, and benefits you would give up.
Contribution limits and individual tax rules apply to both account types. Review your tax questions with a tax professional. IRS: Traditional and Roth IRAs (opens in a new tab).
You may already have the money to get started.
An IRA may receive eligible new contributions, IRA transfers, or rollovers. A new contribution adds savings; a transfer or rollover brings existing retirement money into the account. I’ll help identify the route that fits your source of funds.
If the money is in a former-employer 401(k) or 403(b), we’ll compare keeping that plan with the available destinations. The transaction and its tax treatment are part of that decision.
Explore the rollover pathYou choose. I coordinate. For an account placed through our office, I prepare provider paperwork, coordinate eligible funding, and guide the forms that need your approval. I stay available for provider questions and beneficiary updates as your plans change. Future income options depend on contract and payout terms.
Crediting limits apply and a period may earn no interest. Charges and withdrawals can reduce value. Guarantees depend on the issuing insurer’s claims-paying ability, not FDIC insurance.
About our services
An annuity adds no extra tax deferral to an already tax-deferred account. We provide insurance services, not securities or portfolio management. General education, not individual tax or legal advice.
No account numbers, login details, or documents are needed to book an introduction.
How our office is compensated
There is no charge for our reviews or ongoing service, and no obligation to purchase. If you choose an annuity or another insurance product through our office, the issuing insurance company may pay us a commission. Insurance products may have fees, surrender charges, and other restrictions. Product terms and charges are explained before you decide.