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Individual Retirement Accounts (IRA)

Feel great about retirement.

Our Retirement Specialists help you prepare for your future.

IRAs

When you’re ready to retire, we want you to really be ready. Our IRA options are designed to help you maximize your retirement savings, so you’ll be set for your golden years.

We Offer Two IRA Options:

Traditional IRA

This retirement account allows you to defer taxes on your earnings made and deductibility of your contribution is based on your IRS guidelines. All earnings of your traditional IRA remain tax deferred until you make withdrawals, which are taxed as ordinary income during the tax year of their withdrawal.

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Roth IRA

An IRA is a non-deductible retirement account that features tax-free withdrawals for certain distribution reasons after five years. To qualify for a Roth IRA, you must have earned income (or your spouse must have earned income). You may contribute any amount up to 100% of your compensation or $6,000 (whichever is less), as long as your Modified Adjusted Gross Income is within the limits established by the government (last set in 2019). An additional $1,000 is allowed to be contributed for those over 50.

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Our Retirement Specialists are ready to answer any questions you may have regarding Individual Retirement Accounts and how we can help you!

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On Our Minds

Data points on top 20 cities put together in a table. Florida cities highlighted in yellow: Fort Myers, South Bradenton, Altamonte Springs, Winter Park, Sarasota, Casselberry, Bradenton

Chart of the Day: Florida Top 7 out of 20

May 23, 2024

Today’s Chart of the Day was shared by my colleague Christine Davis, Director of Commercial Banking Services at Crews Bank & Trust.

Frustrated retirement-aged woman struggling to figure out her estate plans

What is a Corporate Trustee and Why on Earth Do I Need One?

May 22, 2024

If you are like many people, you may have seen or heard the term Corporate Trustee (or Corporate Fiduciary) and immediately assumed, “I don’t have...

Multi-colored line chart showing annual cancer death rates by country, from 1950 to today. Chart shows how cancer death rates have decrease from 150 to 100 per 100,000 people over this time period.

Chart of the Day: Declining Cancer Death Rates

May 21, 2024

Today’s Chart of the Day from Our World in Data shows the death rate from cancer per 100,000 people going back to 1950.