Retirement

Seek growth for 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 find financial freedom 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 financial professional to open an IRA or 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 have retirement plans from previous employers and are unsure of your options.

About IRA Accounts

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. HAPO Community Credit Union and HAPO Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using HAPO Investment Services and may also be employees of HAPO Community Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, HAPO Community Credit Union or HAPO Investment Services. Securities and insurance offered through LPL or its affiliates are:

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