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Hurricane season is unpredictable. Your finances shouldn’t be. A Home Equity Line of Credit (HELOC) gives you access to funds when you need them most.

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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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Blog

On Our Minds

investment in the market is shown in blue and cash is shown in red
Chart of the Day

Chart of the Day: Not Risking is the Highest Risk

May 15, 2025

Today’s Chart of the Day from @petermallouk on X and shows the value of a dollar invested in the S&P 500 vs. sitting in cash for the last 30 years.

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aerial view of house with hurricane damage - blue tarps and missing shingles on roof and tree blown down onto fence.
Banking

Home Equity Line of Credit: An Unexpected Safety Net for Storm Season

May 14, 2025

Hurricane season in Southwest and Central Florida can be unpredictable and we’ve certainly had our share of storms recently. The sight of snapped off...

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chart dated from 1960 to 2020 with market peaks in green and lows in red
Chart of the Day

Chart of the Day: Corrections are Loud, Recoveries are Quiet

May 13, 2025

Today’s Chart of the Day is provided by my colleague and fellow Portfolio Manager Angie Parsons. The chart, prepared by YCharts, shows the “Bull...

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